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: Barbara E.

Pleasant Surprise on your coverage

Ms. Feeney is doing very well, but of course we're following Dr. Dennis' recommendations to the letter. Our recent blistering weather had us not let her out too long but NOW our weird drought has broken, and she doesn't WANT to go out - typical Dachshund. Your company's payment toward her fairly large expenses helped a lot to be able to give her what Dr. Dennis had recommended!
5

out of 5

POSTED: | BY: Colin Ryan

Awesome customer service!

I've had my policy for over a year and just this month I have had to use it twice for my cat. First to remove tumors and a second time as a follow-up to ensure the cancer had not spread past the tumor and into my cat's hip bone. My bills were slightly over 1K and trupanion handled my claim and I had a direct deposit into my checking acct. within 2 days! Really nice to know I can depend on the promise Trupanion sells when the policy is purchased. They are a class act and frankly I wish my own health insurance provided the excellent overall customer experience that I have had with Trupanion! It's so comforting to know that should anything come back I can worry about getting my cat the very best vet care and Trupanion will take 90% of the financial hardship off of my shoulders.
4

out of 5

POSTED: | BY: Mary Zeplin

emergency clinic and surgery

My dog had to have surgery to remove a tube sock that she ate whole. It couldn't pass and blocked the area that the stomach feeds into the intestines. The bills to my vet were addressed right away. Just yesterday I received compensation for surgergy. However, during this event we had to take her to an emergency center on a Sunday when my vet was closed. The bill for this has yet to be addressed. I sent an email to the person who handled my claim explaining the timeline and who saw my dog and the fact that the emergency center bill has yet to be addressed. The Trupanion person did not reply to my email. I recently sent a second copy of the bill and claim form to Trupanion for the emergency visit. I would have rated Turpanion as a 10 if not for this problem.
5

out of 5

POSTED: | BY: Bill Long

First claim

We have had the Trupanion insurance for 3 years now and had to submit our very first claim. It was so easy and hassle free. Our Vet faxed over the necessary claim form and within 48 hours we had received email notification that the claim was received and being reviewed. A few days after that we received notification that the claim was approved and what the reimbursement would be. We then received the reimbursement check about a week later. I would recommend this insurance to everyone.
5

out of 5

POSTED: | BY: Amy McQuade

Must have for puppies!

When I adopted Riley two years ago, a good friend suggested that I get pet insurance. I honestly didn't think I would need it with a such a young dog. Thankfully I signed up with Trupanion, it's turned out to be one of the best decisions for the health of my dog and my pocket book. What I thought was a a leg injury turned out to be severe brain swelling. Luckily Riley is receiving treatment from the best of the best and I don't have to make decisions based on money. I filed his claim and less than a week later, I received approval with a message that the check was in the mail.
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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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