Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,162

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: Shirley

run run away from this scam!

We started with a $50 policy, no deductible. Six years later with only 2 small claims...my rate is $117 a month. I live in Calgary Alberta, when we moved from the SE quadrant of the city to the SW quadrant, they told me there were different rates for my new address (slightly better neighborhood), and they immediately upped my monthly rate by just over $20 each month. That is crazy. Bank the money each month and then it will be there when you need it. I estimate that I would have over $5000 in that account if I needed it.
5

out of 5

POSTED: | BY: Sharon

Trupanion Is Even Better Than Advertised!

I signed my dog up for Trupanion following her wellness checkup. A few weeks later, she was diagnosed with Cushings disease. Trupanion has been wonderful about processing our claims for her diagnosis and treatment. They are quick and efficient and we received a check in the mail the week following our first claim. I am very grateful that our vet told me about Trupanion.
5

out of 5

POSTED: | BY: carmel

keena limping off/on

keena was limping for ~4 wks off/on...took her to my vet..was told she had torn her ccl.left hind leg..saw surgeon the next week{trupanion gave pre approval for the tplo surgery}....was not convinced it was a torn ccl...more tests were done...now waiting to hear if it is a torn ccl...or an autoimmune issue... ....trupanion covered the costs of the extra tests ..no questions asked ..$$in my account in 2 days!...
5

out of 5

POSTED: | BY: Jay

Highly Recommended !!!

We have submitted many claims over the past 7 years and have never had an issue. Our Golden Retriever had to go to the US for one month of radiation and the cost was significant. We were never questioned and the claims were paid promptly. Escalating premiums our only concern. Overall, our experience has been a pleasant surprise, highly recommended!!
5

out of 5

POSTED: | BY: Jane

Quickly processed claim for Chester's gastritis

Great job in processing our claim for Chester's gastritis. Within 15 minutes we knew that the claim was covered and the amount that was covered.
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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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