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: Patty

I couldn't be happier!

This was my first time submitting a claim and everyone I talked or email to was very helpful and courteous. There was a misunderstanding with the reimbursement and it was corrected right away and explained why the payment was different than I expected, and in general very good service. Keep up the good work.
5

out of 5

POSTED: | BY: Ronald

Tessa, Anita, Ron -Thank you Trupanion

Our puppy (Tessa) is now 3 1/2 yrs old. Fortunately we decided when Tessa was but a few months old to secure insurance. We researched numerous insurance companies but we kept returning to Trupanion. The final decision was in part influenced by our Vet. Needless to say, Tessa now has a vet. file in fact two files since the first one was full. Our bills have been in the thousands and with the exclusion of bills for office visits, Trupanion has honored payment for EVERY INVOICE (90%). Yesterday we had Tessa to our Vet for a check up. During the Drs. visit, our Vet commented on Trupanion. Noting, her experience with other insurance companies has been less then desirable given the delays in bill processing and the on going request for additional information. She could not say enough about Trupanion as compared to the other insurance companies. Now would anyone in our position with a sick puppy and the great experience we have had with Trupanion rate your performance less than acceptable, I don't think so. But as important as the honoring of invoices is, the professional treatment we receive every time we call is exceptional. What more could we ask for? My wife and I thank you.
5

out of 5

POSTED: | BY: Barbara

outstanding service and quick payment

Trupanion was exceptional in their concern and handling of Ranger's claim, follow through with the providers, and quick payment. The Claim person on the telephone line expressed true concern for my dog's health and made me feel as though he understood my worry.
5

out of 5

POSTED: | BY: Jillian

Great experience

I took my claim form with me to the vet. They send they would send it in to TRUPANION for me. That night I received an email from TRUPANION saying my check was in the mail. A couple of days later there was my check. That simple!
5

out of 5

POSTED: | BY: Brian

Excellent Customer Service

By far the best experience I have had dealing with any customer service organization. Every point of contact with Trupanion has been a pleasant experience. The process is straight forward and very easy to understand.
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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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