Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,189

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: Stephanie

Horrible for Holistic/Homeopathic

They do not keep a holistic vet on staff, nor do they consult with one during a claim. Despite this, they do offer a rider for an extra cost that allows holistic "treatments" to be covered. Unfortunately, since they only let a conventional vet (who does not understand or believe in the holistic method) see the claim they do not cover any treatments and claim that they are all "consultations" or "exams". They end up only covering the herbs used to treat a condition (they have never cost more than $6 for me out of pocket). On top of this, it takes them months to process a claim. Not happy with this coverage. Also, since my puppy had "loose stool" in her notes during the waiting period (she had been shipped from California to Michigan away from everything she knew) they would not cover any GI tract related issues (3 months later she had explosive diarrhea). I am planning on switching to Embrace who claim that they will cover GI tract issues after 12 months of no symptoms.
5

out of 5

POSTED: | BY: Kelly

Quick claim

So far very please. people are professional and service has been very quick
5

out of 5

POSTED: | BY: Betsey

Good bet

I have had great experience with Trupanion. They paid the claim promptly and kept me informed of where they were in the process.
5

out of 5

POSTED: | BY: Sue-Anne

Pet Insurance is a MUST

I have long since wondered why we are so willing to insure ourselves and our 2 legged children, but not our 4 legged children. Working in the pet industry for 30 years, and coming from a country where we do not pay for our medical expenses, yet we do insure our pets, it is a no brainer to me. Trupanion offer 30 days free (in the truest sense of no credit card required etc) coverage, which is beyond invaluable. I know for even me working in this industry my pets do not go uninsured and Trupanion has made that a much easier process than Pet Plan, a company I have used in the past. My claims are paid quickly and directly to the clinic. My veterinarian is willing to work with me on paying as I have insurance. Our kitten has a $0 deductible as she was insured from 6 weeks old. Add that to the wellness program she has with TotalBond, and everything is taken care of - all I have to find is the 10% as the exam fees are all included in the wellness plan. Huge sigh of relief for me each time one of them is sick.
5

out of 5

POSTED: | BY: Sandra

Service

We have 2 golden retrievers that are almost 8 years old. We have had them covered through Trupanion since we got them as pups and have been very satisfied with the service. We are always recommending the company to new pet owners.
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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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