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: Leslie Angus

A veterinarians choice

First, I should say that I am a veterinarian. I have pet insurance because while I can provide most of the care for my pet even I need the help of specialists at times. This time my little guy tore both his cruciate ligaments and needed to see a surgeon to correct the problem. His surgery went great and Trupanion responded very quickly to my claim. I see a wide variety of insurance claims from clients and I chose Trupanion because of the extent of coverage they offer and their great client service.
5

out of 5

POSTED: | BY: Julie and

Great fast service!

I was surprised how easy it was to get claims processed and paid. Our vet participates with Trupanion and files the claim directly with them and I can elect to have the payment sent directly to Trupanion, which I did. I got an email notice a couple days later that the claim had been paid, and an Explanation of Benefits. I wish my health insurer were that fast! We are very impressed!
5

out of 5

POSTED: | BY: Martha T.

Excellent--WAY better than I expected...

My first experience with pet insurance, very expensive acute event. The vets offices and I submitted the forms on a Friday and the next Monday, the review was indicated to be in process on Tuesday, and was approved on Thursday and I had the check within 2-3 days. Amazing. Needed to call them a couple of times just with my own questions (not because of issues) and the phone was answered promptly, the folks on line had my case records available WHEN they picked up the phone, and were clear and knowledgeable from the start. I did not expect this from my knowledge of human insurance. Although when I was choosing insurances, my vet office said Trupanion was the most helpful and they felt the best coverage. With my dog's acute event, the specialists group that I needed to see said the same---the best coverage and easiest to work with, in their experience. This review is totally uninfluenced, and I am a very happy camper..!!!!
5

out of 5

POSTED: | BY: Jubilee Cacaci

fast efficient service

the policy and insurance was dealt with in a very fast and efficient manner. I was updated via email regarding my claim and coverage, I received a cheque I the mail within 1 week and I live in rural BC. I also used this service while Domino was under coverage about 4 years ago. She fell off a cliff (she had multiple surgeries and weekly checkups over a 1yr period) the Trupanion insurance was very beneficial and helpful during the ordeal. Domino is now fully recovered from her fall and is doing great.
5

out of 5

POSTED: | BY: JH

Trupanion Pays!

I've had Trupanion for my dog and best friend Harper since she was a tiny puppy, and thank goodness! Harper is now 6 years old and she has been extremely unwell for the last few months with medical bills exceeding $15,000. Trupanion has been compassionate and helpful and has quickly paid my claims, making it possible for me to get her the help she needs. Despite the high cost of her medicine and treatment Trupanion has not quibbled over one thing. It has been extremely exhausting to care for her though her illness, but knowing that I do not have to worry about her bills has been and is a huge help. Just this morning I saw a sparkle in her eyes that makes it all worth it.
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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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