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: Michelle

Quick claim payment, no hassels

My 3-yr old Pembroke Welsh Corgi started having seizures and was evaluated through physical examination, blood work, and an MRI. Trupanion paid 90% of costs of the blood tests, MRI, and anti-seizure medication, which totaled over $2K. I simply called Trupanion to submit the claim and emailed copies of the invoices. I was responsible for a $100/illness deductible, 10% of the covered costs, and the physical examination costs. Trupanion processed my claim very quickly, and their claims personnel were very polite, understanding, and helpful.
4

out of 5

POSTED: | BY: Anony

so-so

OK, so, granted, I chose Trupanion and they have reimbursed us a lot of money for our dog that suffers sever allergies. And that has been good. They have a direct deposit for claims and claims are handled very quickly. Another good thing about them. We have 2 dogs, one is young the other not. Our biggest gripe is They ONLY cover dental extractions, so the anesthesia and cleanings are always out of pocket, though cleanings prevent extractions, so go figure. Customer Service is cheerful as long as everything goes quickly and smoothly. Also, often the reps talk at you. Like a car salesman, they don't really want to slow down and hear the customer. connecting to a client is good, but if the rep does not sympathize, that;s fine, just don't make the client feel like they're wasting your time. As soon as a problem arises, they become curt and rush you off the phone. not cool.
5

out of 5

POSTED: | BY: Louise

recent claim

My Charlie was if for routine neutering. Our vet did blood work prior to surgery to see how our little man would fair with anesthesia drugs. The blood work showed possible liver stent and if further results come back he may have a tough time coming out of surgery or may not come out. We are so happy that we got this coverage...Im much more happier to pay a monthly fee than getting a large bill surprise!
5

out of 5

POSTED: | BY: Kristen

Great Service

Trupanion operates exactly as a pet insurer should. Our puppy recently contracted an intestinal parasite. The same day as his vet visit, I submitted a claim and the invoices to Trupanion for both the fecal test and the medicine. A few days later, we got an email saying our claim had been received, a few days after that we received an email saying our claim had been processed and a few days after that our checks were in our mailbox. We were reimbursed for 90% of the medicine and test as promised. Trupanion is great; they're fast and the claim process is super duper easy.
5

out of 5

POSTED: | BY: Michael

best pet insurance company

I was covered gratis for 30 days when we brought Sadie to the vet for her initial check up and shots. she ate something in the yard and started throwing up and foaming at the mouth. the vet took care of everything and so did trupanion
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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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