Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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.
3

out of 5

POSTED: | BY: Arlene Senna

when it is a larger amount Trupanion takes a long time to pay.

when it is a larger amount Trupanion takes a long time to pay. even when it is is the same every month not anything new small amount is paid right away.
5

out of 5

POSTED: | BY: Jill Young

Very impressive organization.

Very impressive organization. Phones are answered quickly by courteous and knowledgeable people. Claim form is very simple and easy to fill out. Claims are paid promptly and are easy to understand.Sometimes, I think it is all too good to be true! This or
5

out of 5

POSTED: | BY: Marie Black

Very helpful and knowledgeable of the system.

Very helpful and knowledgeable of the system. It was actually
5

out of 5

POSTED: | BY: Natasha

Excellent customer service and care for your baby

All 5 of my dogs are insured with Trupanion and highly recommend them. American bulldog/catahoula mix, Australian cattle dog/healer mix, Rottweiler, 2 chihuahuas. My neighbor saw how awesome they are with my dogs care and she got insurance coverage on her 3 dogs... you never know when something could happen and it's always better to be prepared... then not be able to afford treatment and your baby suffers. Very friendly been with them for years and never had an issue with not even one representative. Being with trupanion you never have to worry if an illness or injury may come up that cost a lot of money that you cannot afford and worrying how you're gonna help your fur baby. Trupanion is always there to help you choose the best plan with how much you want to pay monthly for the right deductible. They are quick in paying the claim as soon as you submit it to them. I couldn't thank them enough.
3

out of 5

POSTED: | BY: Sean

Not Good

I have had TRUPANION for my two maltese dogs for the past 3 years but I'm not happy with it as it is very expensive and they COVER NOTHING!!!!! Every time I claim they say it is not covered or is a pre-exisiting condition and not covered. THey are getting up there in age, so I'm keeping it going only in case they end up with some old-age condition like cancer, etc. They will probably claim that that is not covered either. I will give them 5/10 only because the customer service department is quick to respond.
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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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