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: Donna D.

Used by veterinary staff.... need I say more??

I am a vet tech. I worked at a large referral veterinary practice for 16 years. I have seen TONS of claims go through, and by FAR, the fastest, easiest to deal with and best, is Trupanion. I have seen horrible customer service from other companies (wait times up to 1 hour to talk to someone, payment for claims taking 4-6 WEEKS??), increasing premiums and deductibles for owners from other companies, you name it. Most of the staff where I worked...guess what company they use? Trupanion. If most of the clinic is using it, I think that speaks volumes.I personally have used Trupanion since it was Vetinsurance, and have submitted what is probably around $15 000 in claims. I have NEVER had a problem. After my claim is faxed or emailed, my claims start processing in less than an hour and I am verified by email. Trupanion pays my clinic DIRECTLY, so I only ever have to pay my 10% up front. NO OTHER COMPANY does that. There is no comparison to the rest if you ask me.... and I've SEEN them all in action. Keep up the good work Trupanion, you provide help to so many animals, and owners alike. You make a difference.
5

out of 5

POSTED: | BY: Sarah

You get what you pay for!

The insurance that we have is not the cheapest. You could find another company that is but at the end of the day it is the claims service that matters the most. You guys have been superior with this respect. I email my claim submission. Your process it and direct deposit into my account. When our French Bulldog had to have emergency spinal surgery we were able to concentrate on what mattered and not worry about the bill. She means the world to us. Thank you for giving us the peace of mind we needed during this time.
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5

out of 5

POSTED: | BY: Megan

Very happy!

Couldn't be happier! Getting trupanion insurance was the best thing we did for our two pups!
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5

out of 5

POSTED: | BY: Duane

Only have good things to say about how Trupanion handled our claim.

Trupanion handled our very expensive claim with no hassle or delay. When there was a small glitch with a pre approval they phoned us twice to explain exactly what was going on. Positive experience during a very stressful time.
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5

out of 5

POSTED: | BY: Duane Strayer

Great experience with Trupanion

Our 10 month old PWD was ultimately diagnosed with a hematoma on his spine, requiring (very expensive) surgery. The hospital was able to direct bill Trupanion for all covered expenses with no questions asked whatsoever. When there was a small glitch with a pre-approval, a real live person from Trupanion phoned us at home to give us an explanation, and then another follow up call was made to confirm our understanding. Can't say enough good to describe our experience with Trupanion. Job well done!
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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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