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.
1

out of 5

POSTED: | BY: JAC

Condition deductibles a racket!

Terrible company. I have been paying insurance on my 19 year old Chihuahua mix for 16 years and now when he needs the insurance I get insurer rhetoric of, "Our deductibles are applied per condition for the lifetime of (x). So, once you have met the deductible for each condition, you will never have to meet that deductible again and your 90% coverage will be applied. For your claim ( ) for invoice () three different conditions were assessed (seizure, elevated renal values, and increased white blood cells) and your $500 deductible was applied to each of those conditions separately. As there is no indication in medical notes that these conditions are related, we have also separated these 3 conditions from your previous claim in December for collapsed trachea. We always want to do everything that we can to make sure that coverage is applied fairly and appropriately per the expertise of your trusted veterinarian. So, over December and March I have paid about a $1000 in vet bills and nothing is recoverable because it's going against condition deductibles. Disgusting.
5

out of 5

POSTED: | BY: Marie

People you can count on

They are quick and great coverage
5

out of 5

POSTED: | BY: Kenny

Outstanding (so far)

Customer service is amazing!!!!! Questions always answered and usually with a follow up phone call making sure everything is OK. Claims could not be paid faster. As long as I have a pet I will always have Trupanion with me
1

out of 5

POSTED: | BY: Paulo Vieira

Do not waste your money in this company, they just want your money.

Do not waste your money in this company, they just want your money. They do not want to help you. I do not want you to be screwed like I was. They do not want to give my money back when I did my first and only claim because they did not receive the report from one of the veterinaries, like it was fault they did not get the information. Shameful.
5

out of 5

POSTED: | BY: Stephen Bodsworth

Jake sends his appreciation and sincere thanks for Trupanion being there when the going is getting tough!

Jake sends his appreciation and sincere thanks for Trupanion being there when the going is getting tough! Here's hoping he gets to see again.
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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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