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: Caroline

Wonderful service and support

We got off to a rocky start with Trupanion, who claimed that my cat's illnesses were pre-existing conditions. I spent some time on the phone until I finally talked to Kristy and everything changed. She agreed that his conditions were new and that they would cover them in full - and they have done so ever since. Our large bill for surgery ($5,300) was processed on receipt and we had the check in a week. He is now doing very well and we are very happy with the service that we are getting. My advice to others is to question denials of claims, and to push for reviews of any negative decisions.
5

out of 5

POSTED: | BY: Kimberly Bohlman

THE BEST SERVICE!

I am extremely impressed with Trupanion. We have submitted several claims and in a RAPID manner they were processed and we were reimbursed with direct deposit, within a couple of days. I have called a couple of times and the customer service is wonderful, they are caring, knowledgeable and efficient. Highly recommend Trupanion!
4

out of 5

POSTED: | BY: ZoyaMarie

follow thru

be sure you read the material, as you may not be covered on things you thought you were.however, one trip to emergency and you have paid your annual dues
5

out of 5

POSTED: | BY: Maria

Caring, polite & quick service!

Less than two weeks ago my dog was admitted to the emergency clinic for toxicity.You can probably relate that I was equally worried about my furbaby as I was about the money. As soon as I brought my little fluffball home I contacted Trupanion - spoke with a very caring customer service representative - and my claim was on it's way for review minutes later. Less than two weeks and my refund is already being sent out in the mail. I can't express more how happy I am that I chose Trupanion as my insurance provider.
5

out of 5

POSTED: | BY: Josée

Fast and reliable service

I have now been paying pet insurance for over 8 years but I was always skeptical whether or not this was worthy since my dog was healthy and doesn't have any major issues. Now that my dog is 9 yrs old and that she's getting some issues, I found that the multiple claims I had filed were processed quickly and one small misunderstanding was made about a deductible that was taken off was solved just from a phone call.Josée
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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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