Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,162

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: Donna

Glad I switched to Trupanion

My dog is 9 years and 9 months old. She was diagnosed in May 2013 with diabetes. She will be on insulin the rest of her life. A 58 day supply of insulin and syringes is $125.99. Trupanion has paid 90% of this cost. The turn around time from the day I send the claim form until I receive reimbursement averages 25 days. Trupanion also covered 90% of the extensive testing that was required to properly regulate her insulin dosage.
5

out of 5

POSTED: | BY: Sara

Amazing!

My puppy is 8 months old and in the 6 months that we have had him, he has had to have an ultra sound ($500), he has been to the ER ($2000) and has had a skin rash (200-300 dollars). I was amazed at how quickly trupanion gave us back our money and how easy they were to work with. They have saved us over 2000 dollars so far.
5

out of 5

POSTED: | BY: Linda

Pet Insurance Review

I have been with Trupanion Insurance for about 4 years now and they have been very quick to respond, and very timely and fair in their compensation for claims.
5

out of 5

POSTED: | BY: Cheryl

Excellent service

When Sweet Pea's eye was punctured by another cat, my regular vet said she would probably totally lose her eye. But he sent me to a vet eye specialist who told me he believed he could save her eye with immediate surgery, but the cost would be between $2,500 and $3,500. I called Trupanion to make sure it would be covered and to get pre-approval. They expedited the pre-approval and the vet did the surgery right then. He was not only able to save her eye, but also her vision in that eye! However, the clinic would not bill Trupanion directly, so I had to pay the charges up front. That pretty much wiped out my bank account and I still had bills to pay before my retirement check at the end of the month. I called Trupanion to see if they could expedite my refund and they processed my claim as quickly as they could. Thanks to the wonderful people at Trupanion, I was reimbursed in 2-3 days instead of the usual 1-2 weeks! Thank you Trupanion!
5

out of 5

POSTED: | BY: Dallas

Quick

Quick turn around for the claim, very helpful and personal with calls to check on my pet.
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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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