Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,140

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: Teresa

Review

I have been with Trupanion since our little guy was a puppy. We have an amazing Vet...Dr. O'Reilly. My only complaint with the insurance company is the rising cost of insurance....although....our little guy has had major surgery at a year old and the cost has more than paid for itself within the 8 years that I have had it. Other than that Trupanion is quick at handling claims in a timely manner.
5

out of 5

POSTED: | BY: Tina

fast turnaround with payment

I submitted a 2nd claim for my cat for his stomach problems and Trupanion had accepted and approved my claim within one business day. Great company compared to other insurance companies I have dealt with in the past with other pets.
4

out of 5

POSTED: | BY: Brandi

Good

They pay claims but the premiums have gone up significantly because my pup has a chronic condition.
5

out of 5

POSTED: | BY: Paula

I highly recommend Trupanion without reservation!

Pet insurance has come a long way! Years ago, I tried it and discontinued it, as it didn't seem to cover anything. My vet recommended Trupanion, and I decided to enroll my golden retriever puppy. He developed a chronic problem with his ears, shaking his head, etc., which led to multiple doctor visits and various meds. They even had to put him under anesthesia and take some xrays. After I met my deductible, Trupanion has paid all claims as they said they would, and I couldn't be happier with their service. My vet is electronically linked to them, so claims are filed and responded to before I even pay my bill. So I don't have to wait to be reimbursed. I think Trupanion is wonderful, and I recommend them without reservation!
5

out of 5

POSTED: | BY: Josh

Experience was all that was promised!

I called trupanion the day after my german shepherd puppy was released from the hospital. Trupanion told me that the pet hospital had already faxed them our claim form and there was nothing more for me to do. 3 days later I received an email that stated that my claim wAs accepted and that I should expect a check in the mail soon. 4 business days later I received a check that covered all the expenses that were promised in my policy. I was extremely pleased with how easy and fast trupanion is to deal with.
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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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