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.
1

out of 5

POSTED: | BY: Bill

HELLISH!

So we switched to Trupanion on the reccomendation of our vet as we were not happy with the level of customer service at Petsecure (big mistake!). Then our older fellow was diagnosed with osteoarthritis-trupanion refused to cover as the vet had started him on supplements to help prevent problems due to aging. THEN, he had a stroke and turned dangerous requiring euthanasia....despite their claims that this was covered - refused as they called it a behaviour issue. Not only am I unhappy but my vet is removing ALL their brochures from the office since they refuse to listen to her! WORST company ever!
5

out of 5

POSTED: | BY: Sharod

The best pet insurance

They are hands down the best pet insurance there is. Their very quick at responding and keeping you up to speed with what's going on.
5

out of 5

POSTED: | BY: Alice

Easy and Pays off

Our 'Belle' developed a Bacterial folliculitis and we had many bills for her. I submitted all that I had and got an $1100 refund. So glad I had Trupanion. I will have more bills and special food so Trupanion is a necessity. I would recommend them to my friends and anyone else who would ask.
4

out of 5

POSTED: | BY: Megan

Follow-up from claims

I love how quickly they handles the claims and take care of everything to make ours lives easier. My one complaint. the office exams, I don't understand routine exams or the inital ones not being covered, but when trying to figure what is wrong, there should be a discount or something with the follow-up or referral exams from another doctor. Example when we went back in for the internal medicine doctor, everything else was covered but the exam part. I had already paid for the inital exams from the normal vet.
5

out of 5

POSTED: | BY: Ric

Hereditary Dental Issue

We brought a Miniature Shih Tzu into our home a few months ago. In her initial visit to our Vet, we were made aware that there are inherent issues that come from the genetics of them having a small snout and mouth. As her baby teeth were starting to be replaced with her adult teeth, problems started to occur. The Vet needed to pull 8 teeth and to our surprise, Trupanion covered the procedure since it is genetic in nature. I would absolutely recommend strong consideration to Trupanion if you bring a new pet family member into your home.
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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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