Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,189

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: Caro

Stay away from this one

In 2012 my dog had surgeries for Chyle in the chest cavity and two lung lobes were removed - I purchased pet insurance. Now Trupanion is denying all medical claims that involve a "cough" saying that it is a preexisting condition. This includes a staff infection, allergies to three different dust mites and possible laryngeal paralysis. Additional information has been provided to appeal the denial to not avail. I am looking for a different insurance for my second dog who has NO preexisting conditions. My advice - Please look somewhere else for pet coverage.
5

out of 5

POSTED: | BY: Greg

Trupanion is the best!

I researched many pet insurance companies when I got my dog as a puppy. I actually changed to Trupanion after I review the small print of another company. From day one Trupanion has been very clear with their coverage. I particularly liked that they don't raise your rates as your dog gets older. What ever you sign up with, is what you will continue to pay. I filed my first claim for a biopsy on my little buddy and they were able to reimburse me 90 percent within a couple of weeks. Fantastic. It's nice to know that someone has your back when things can get stressful.
5

out of 5

POSTED: | BY: Natasha

Fast claim response after emergency surgery

My dog recently had to have emergency surgery due to a polyp obstructing her upper airway. I was stressed out about the cost but Trupanion emailed me soon after I filed my claim, and I received a check just a few weeks later in the mail. During the claims process they kept in contact with me to give me updates. I am very glad with my decision to chose this insurance company, and I am very relieved how quick I recived money back without issue. My dogs only deserve the best and that is Trupanion.
5

out of 5

POSTED: | BY: Lynn

So Smooth and Easy!

My first experience with this and it was so easy and smooth! Also want to mention how fast the process took!
5

out of 5

POSTED: | BY: J.

Awesome company

I emailed my claim form and it was processed within a day. I received the reimbursement check within a week. It is a company that cares and and any correspondences are answered quickly. I have had other pet insurance coverage and so far, Trupanion is the best and quickest in all aspects.
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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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