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.
5

out of 5

POSTED: | BY: Dave

Excellent Experience With Claim

I had a claim of over $1,000.00. I needed a little assistance with the claim Form and was pleasantly surprised at how helpful the representative was. Submitting the claim was painless and the turnaround time of the reimbursement was very good. a claim of over $1,000.00. I needed a little assistance with the claim Form and was pleasantly surprised at how helpful the representative was. Submitting the claim was painless and the turnaround time of the reimbursement was very good.
5

out of 5

POSTED: | BY: Lisa B.

Great Plans, Excellent Coverage/Claim Processing

I had used a previous pet insurance but found things weren't covered I thought would have been. We have now been with Trupaion for 7 years and they are amazing. I love being able to choose my deductible and the turn around on claims is fantastic, within a week. The staff has great customer service as well. My family also uses them and had a heafty claim only 3 months after signing up and everything was covered!! The only complaint I have is their fee's have gone up every year since Ive had coverage with Trupanion, not much, but every year.
1

out of 5

POSTED: | BY: Austin

Waste of money

I was with Trupanion for 4 years, submitted approximately $1000 worth of vet expenses and only received $10 back. On my fourth anniversary they increased my bill by $100 a year, when I called to inquire about the increase they advised it was due to vet costs and expenses - however, during the call one of the several agents I spoke with informed me that 35% of their clients did receive a reduction. My question to the manager is why an account that has only ever received $10 in reimbursements is experiencing an increase and other people are getting a decrease. To which they had no satisfactory answer, saying each area is reviewed annually - and some go up and some go down.
5

out of 5

POSTED: | BY: Thalia Swinyer

What a fabulous experience

Our vet recommended Trupanion to us at our first clinic visit when our labradoodle was just 8 weeks old. At 8 months old we found he was a true "Rock Hound" and has been gobbling up stones at the day-play-center which required surgery. Within three weeks of surgery a check was in hand with no questions asked. Without surgery, our big guy would have surely died. What a great company!
5

out of 5

POSTED: | BY: Cranky247

Certainly Cannot Complain!

Trupanion is my only experience with pet insurance. We haven't had to call on the insurance too often (partly, I think because my Vet doesn't always remember to submit claims which is ultimately my fault for not following up - I tend to make an issue of it only if my bill is significant, which I know is silly of me). In any case, the very few claims we've ever had for our two Boys have been processed quickly and in accordance with the terms of the policies as I understand them. No problems at all and certainly, nothing to complain about!
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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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