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.
3

out of 5

POSTED: | BY: V

An appeal should not have been necessary

My one experience submitting a claim leads me to believe that their policy is to reject all claims at first submission. This was unnecessary stress since the claim was on right eye and my appeal required a letter from the vet to point out that a pre-existing issue of other eye was clearly unrelated. However all communication with this company has been totally friendly and professional. I just believe that my case , that I had to appeal, should not have been rejected on first go as all evidence was clear on the vet file that the one eye issue was unrelated to the other eye issue.
4

out of 5

POSTED: | BY: Joe

very pleased

We are very pleased with our coverage for our dog.
5

out of 5

POSTED: | BY: Dorothy

Excellent coverage and response

Our dog had a suspected herniated disk which required immediate care. I called Trupanion. Within an hour, they got in touch with our vet and the veterinary hospital where we had been referred, got the necessary paperwork sent off, and by the time we walked in for the consult the next AM, had a preapproval for testing. Calvin was seen by a neurologist, underwent an MRI, and was diagnosed with a ruptured cervical disk as the result of degenerative disk disorder. He had the necessary surgery the next AM and spent 3 days in ICU. Trupanion paid for 90% of the total bill after our $100 deductible. Since this was a $6000 procedure, it was a huge savings for us. Trupanion has agreed to cover whatever care is needed should this happen again. That is great piece of mind.
5

out of 5

POSTED: | BY: Cheri

Amazing worry free insurance

We have Trupanion for both of our pups and everytime we have had a small issue or big worrisome problem out stress has been eased knowing we will have Trupanion. Out claims are always paid quickly and everyone I've ever dealt with at the company have been so kind and true animal lovers!
5

out of 5

POSTED: | BY: Shannon

Very Fast & Responsive

Nathan required two visits to completely (I hope!)deal with his digestive issues. I have absolutely no complaints with how the claims were handled. Bear Creek Vet filed the claims. I received confirmation of claims' receipt, claim amount that would be paid and notification that payment had been made.
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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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