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.
5

out of 5

POSTED: | BY: FRANCIS

AWESOME SERVICE

I HAVE NEVER DEALT WITH A COMPANY THAT OFFERS SUCH GREAT SERVICE AND ALWAYS HAVE MY CLAIMS DEALT WITH IN SUCH A FAST MANNER. I ALWAYS GET MY CLAIM CHECK WITHIN A WEEK TO 10 DAY. AWESOME. THANK YOU.
5

out of 5

POSTED: | BY: Susan

Wonderful customer service!

Every person with Trupanion we have dealt with has been friendly and professional. The claim was originally denied but upon further information from our veterinarian to Trupanion, the co paid the claim.
4

out of 5

POSTED: | BY: Stacey

thank you for helping

Trupanion has been great to deal with for helping out with my vet bills for my kitty. Sometimes you have to stay on top of how your vet inputs notes into theis system for trupanion to read but otherwise everything has been great. Thanks for you help while my kitty has been sick.
5

out of 5

POSTED: | BY: Charlotte

Excellent service from Trupanion

When I adopted an eight-year-old dog I was worried about health issues, but, on the other hand, pet insurance for a dog this age is expensive. But I am glad I went with Trupanion because this had given me peace of mind.
1

out of 5

POSTED: | BY: Felicia

Think Twice about Trupanion

I started my pet insurance with Trupanion last year, and found it absolutely amazing until my dog started to become more ill. The policy states that if a dog needs to be on a therapeutic/prescription food diet for life I will be eligible for a discount on my premium. The day my dog was diagnosed with Crystals the doctor told me the ONLY treatment is to dissolve the crystals with Hills C/D bladder health diet, therefore this is a diet he needs to be on for LIFE. The DAY AFTER I submitted my claim, they changed my policy to remove the eligible discount on my premium, and then they UP'D my premium $5. I was furious. I contacted two employees and spoke to a supervisor, and they both told me it was "inconvenient" and there is nothing they can do. The fact that I submitted my claim before they changed my policy, you would think it would be appropriate to HONOR the old policy! There was no notice of what changes were about to become affective in my "new" policy. They did not hesitate to take the "new" premium price out of my bank account, I only had a few days notice that I was about to pay a higher fee. I am extremely unsatisfied with Trupanion! This company is known to "not increase premiums due to claim submission amounts" but this is exactly why they increased my premium. I know for a fact that the Veterinary Hospitals within my city did not put up there prices because I WORK FOR THE MAJORITY OF THEM. Think Twice before getting Trupantion.
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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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