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: Christine McHale

I wish my health insurance could work so well .

My experience with Trupanion has been perfect . The Vet practice that did the emergency surgery billed them directly and were surprised at how quickly the claim processed . The post-op overnight care animal hospital charged me directly and I was reimbursed in just a few days . I can't say enough about how well the whole insurance process went . Thank you Christine
5

out of 5

POSTED: | BY: Natalie

Couldn't have been easier

Our Great Dane was attacked at the dog park leaving her with a huge wound in her side. She required blood work, surgery (anesthesia / monitoring), stitches, medication and follow up appointments. It was nice to say to the vet: "do what needs to be done", and not worry about the money. I received my cheque 3 days after filling the claim :)
5

out of 5

POSTED: | BY: AndyAnderon

simply awessome the best plan ever

I have 3 cocker spaniels all have had medical problem The oldest a chocolate has had multiple issues it is estimated that some where in the area of 50 thousand which 90% paid by Trupannion the other one a black cocker has had 2 major surgeries and the baby has had 2 surgeries The amount per month I pay is far less than other pet plans Trupannion could increase my monthly assessment by fifty percent and it would still be a good deal I tell any pet owner I meet the excellent service especially on a major surgery the vet submits the bill to Trupannion I gat a Email same day advising they have it the next day it is being processed On the third it is deposited to my account by direct banking Also when you deal with them on the phone they are so very much customer orientated Without Trupannion I would have been forced to put 2 of my dogs down not a pleasant thought Thanks for being there Andy
5

out of 5

POSTED: | BY: Ann

Great Service

This was my first time submitting a claim having enrolled for insurance approximately eight months ago. The staff at the animal clinic helped me complete and submit the claim. Less than two weeks later the claim was approved and payment was made to me. Very quick and smooth process. I couldn't be happier to have purchased the pet insurance.
5

out of 5

POSTED: | BY: Barbara Few

Prompt, courteous and professional

The personnel are knowledgeable and always answer questions positively. Payment information is received the next day or the same day if my appointment is first thing in the morning. As I mentioned in my review title, the staff are prompt, courteous and professional.
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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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