Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,144

Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process. Trupanion was founded in Canada and provides bets-in-class coverage and is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets. To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month. 1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy. *Terms and conditions apply. Please view your sample policy for complete coverage details. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products.
1

out of 5

POSTED: | BY: Austin

Waste of money

I was with Trupanion for 4 years, submitted approximately $1000 worth of vet expenses and only received $10 back. On my fourth anniversary they increased my bill by $100 a year, when I called to inquire about the increase they advised it was due to vet costs and expenses - however, during the call one of the several agents I spoke with informed me that 35% of their clients did receive a reduction. My question to the manager is why an account that has only ever received $10 in reimbursements is experiencing an increase and other people are getting a decrease. To which they had no satisfactory answer, saying each area is reviewed annually - and some go up and some go down.
5

out of 5

POSTED: | BY: Thalia

What a fabulous experience

Our vet recommended Trupanion to us at our first clinic visit when our labradoodle was just 8 weeks old. At 8 months old we found he was a true "Rock Hound" and has been gobbling up stones at the day-play-center which required surgery. Within three weeks of surgery a check was in hand with no questions asked. Without surgery, our big guy would have surely died. What a great company!
5

out of 5

POSTED: | BY: Cranky247

Certainly Cannot Complain!

Trupanion is my only experience with pet insurance. We haven't had to call on the insurance too often (partly, I think because my Vet doesn't always remember to submit claims which is ultimately my fault for not following up - I tend to make an issue of it only if my bill is significant, which I know is silly of me). In any case, the very few claims we've ever had for our two Boys have been processed quickly and in accordance with the terms of the policies as I understand them. No problems at all and certainly, nothing to complain about!
5

out of 5

POSTED: | BY: C

Life saver for large procerdure

Our lab is almost 8 yrs and blew is Left CCL (knee). VOSM (Veterinary Ortho Sports Medicine in MD) operated and they are the best at this and other injuries. Trupanion was fast and easy to submit claims and receive emails re: claim and a fast check.It has been worth investing in this coverage. My only complaint is since we bought the insurance when our dog was a puppy, they have added a rider for the physical therapy etc and this would have been nice to know about in past before our dog had an injury. That part I ma frustrated with as I feel that a certain number of rehab sessions should be included in the injury/ claim for certain surgeries.
5

out of 5

POSTED: | BY: Mary

Great investment

My 3 year old lab tore her knee ligament and needed a very expensive surgery. If it weren't for her insurance we would of had to put her down. The claim was settled quickly and the people I talked to were efficient. Wish my health insurance was this good !
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Monthly Cost

Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.

Coverage

One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice. To view a full list of inclusions and exclusions, check out our sample policy here.

Payout Limits

Unlimited lifetime payouts on eligible conditions with no payout limits-ever.

Deductible

You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget. Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.

Age Limits

All pets under 14 years old can enroll. Once enrolled, pets stay insured regardless of age.

Waiting Period

Accidents: 5 days Illnesses: 30 days Other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.

Exclusions

Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like: Examination fees Wellness and preventive care Elective, or cosmetic procedures Sales tax, where applicable Like all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early! *Terms and conditions apply. Please view your sample policy for complete coverage details.  
Trupanion Canada Pet Insurance detail
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association. Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion: 24/7/365 Member Support—yes, even on holidays 20+ years of experience $2 Billion paid in claims Over 800,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, Puerto Rico, and Australia * At participating hospitals Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company  
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