Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,162

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: Julianna

First time claim

I submitted claims for the first time to Trupanion and I am very pleased with the process frfom beginning to end. On-line submission was very easy and I received an email the next day with confirmation of my claims received. The next day after confirmation of claims received, I received the breakdown of processed and approved a claims. Very pleased with the over all outcome.
5

out of 5

POSTED: | BY: Jenny

Enamel Hypoplasia and Fractured Canine & Incisor

My dog fractured 2 teeth and was also dealing with enamel loss on must of his teeth. I filed my first claim on a Wednesday and 48 hours later received an email from Trupanion staying they would be covering $1,841, which was 90% after the deductible. The check came one week after the email. I am so thankful for Trupanion!
5

out of 5

POSTED: | BY: Deb

Leg Injury from Dog Park

My puppy was at the Dog Park when she let out a yelp which caused all dogs and pet owners to come running. We couldn't determine what happened but a couple of days later I noticed a puncture wound in her leg. The vet said it was infected so she drained it and with the help of antibiotics, my westie is feeling better and her wound it healing nicely. Kudos to TRUPANION which was VERY RESPONSIVE to my claim.
5

out of 5

POSTED: | BY: Vicki

Emergency bowel obstructions surgery

My dog got into the garbage and required an emergency bowel obstruction surgery. The costs of this surgery were around the $5000 mark and without my insurance we would not have been ableTo afford it. The process of creating and submitting a claim was very easy and I received my money within a week of the surgery. Mojo is doing Great and recovering well. We are 3 weeks post surgery. The process was way easier than I anticipated. Glad I chose trupanian.
2

out of 5

POSTED: | BY: Ryan

Price Increases

The service I get from Trupanion overall is great. My vet puts my claims in electronically and I get notified of the coverage within the same day. This is great as have a recurring prescription for my Dane named Aries. I only have to pay the difference now instead of the whole bill and having to wait to be reimbursed. My only worry is as the premium has increased twice on me, I am now worried as I approach $100.00 a month I may soon be getting priced out of what I can afford. Then my Pet will suffer if I have to cancel the premium.
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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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