Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,143

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.
5

out of 5

POSTED: | BY: Tina

I will never not have it

My 10 year old Jack Russell had her eye removed in January due to glaucoma. I received generous reimbursement from the initial procedure as well as her follow up care. Trupanion is quick and hassle free. Often times I have an email explaining what will be covered within hours of submitting a claim and a check a few days later.
5

out of 5

POSTED: | BY: Patty

Great experience during a stressful time !

We were extremely impressed with how professional and knowledgeable the representatives were when we had questions! This was a very straightforward, easy experience when we submitted the claims! We are very grateful!
5

out of 5

POSTED: | BY: Carrie

Awsome service from Trupanion!

Thank goodness I had Trupanion. My Doodle swallowed a wing nut and a 1 1/2" bolt and two large pieces of plastic from the water dish attached to his kennel. An endoscopy removal kept us from having to do surgery. Trupanion checked with me after each interaction I had with them to make sure I had received satisfactory service. And we promptly received a 90% reimbursement with in a few days. I am recommending them to every dog owner I know! Thank you Trupanion!
1

out of 5

POSTED: | BY: Deb

Stay Away

I was sold a insurance policy that in my opinion had or has no intention of paying claims. I brought my dog in for allergies and would not of because I did not have the money to cover the bill. I pay $70.00 a month to trupanion they in turn went back and found anything they could to deny claim. That was the last straw I spent hundreds of dollars on this insurance and not one of the three claims did they pay anything. In my opion all three should have been covered it's crazy that they twist anything to not pay. When I called them they did not care the only time this company seemed to care was signing me up. STAY AWAY!! Save your money for if you pet is needing a vet because they won't pay it anyway.
1

out of 5

POSTED: | BY: Deb

Very Disappointed

I feel I was sold a product that was not what I recieved in my opinion this company is more than dissappointing just do NOT waste your money. Plus in my opinion once they sign you up they look for anything to not pay a claim.
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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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