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: Pamela

Very Helpful and Considerate

We had purchased Trupanion Insurance for our new dog. We had never had Pet Insurance before and chose Trupanion from The Reviews online and from the recommendation of others. When I had to make a claim, I called Trupanion to make sure that I knew the proper steps to take. Their Representative was congenial, sympathetic and very kind. She helped me through the process and, with her help, I was able to make a Claim. Shortly thereafter, I received emails notifying me of the status of the claim. After several days, the claim was approved and I got a further email asking about the health of my dog. I am very happy with this experience. It was done efficiently and smoothly. Thank you, P.L. Hanen
5

out of 5

POSTED: | BY: Marilyn

Long illness large claims

Trupanion were very supportive by phone and email through this ordeal that lasted from April to Sept. Our claims were very large and were paid promptly. Our dog (mix of Airedale and Greyhound) developed polyarthritis from some unknown cause. she was so sick we thought we'd have to put her down. UC Davis veterinary school helped her through it but even they weren't sure of what made her ill. She is now cured. Trupanion helped us through all of this very expensive process.
5

out of 5

POSTED: | BY: Margo

1 day payment!!!

Trupanion got my claims and processed them on the same day. They have been consistently great to work with and I highly recommend them!
1

out of 5

POSTED: | BY: Nicky

Finds ways not to pay

My dog had pancreatitis prior to enrollment and understandably they did not cover. However anytime my dog has diarrea which is a symptom of many many things they will not cover saying it's related to pancreatitis even though the vet has clearly out,ones that is is unrelated. BE CAREFUL with the fine print .....andi even pay the premium. I have had it and am going to cancel and encourage all of my friends to do the same.
5

out of 5

POSTED: | BY: J

Fast and Efficient

We have two German Shepherds and have had Trupanion for the past 3 years. We of course hoped not to need the insurance but have had occasion to do so. We received email correspondence within 24 hrs of submission, updates on claim and acceptance quickly. We are very satisfied with this company.
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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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