Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,139

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: Robert

Compassionate interest and care.

My wife and I were very impressed with the level of compassion all of the Trupanion associates showed for our dog, Apollo. He broke one of his K9 teeth off at the jaw line and had to have 3 procedures to repair. They were very understanding and willing to help. They worked with us and the vet to ensure everything was covered before we proceeded. Spending $3500 for a dog tooth is a lot of money, but knowing the insurance was there to help allowed us to focus on getting Apollo back to his playful self.
5

out of 5

POSTED: | BY: Audre

So glad I switched!

I contracted with another pet insurance company (which shall remain nameless) for years and never received a penny for any of the charges I submitted to them. Now I'm with Trupanion and I'm delighted with their coverage and their caring ways! Trupanion kept me advised of the progress being made in each step of the settlement process. Two thumbs up to Trupanion!
2

out of 5

POSTED: | BY: Else

be very careful of "soft exclusions"

Trupanion does not do a lot of outright exclusions but they go back into the vet records since you got the dog and if anything is even remotely related, they will not pay. They told me that all it takes is a letter from my vet to say they are not the same but my stupid vet didn't do that - these were two totally different incidents. So what I cam to realize is that the vet does not necessarily remember plus all the details were not written down and some of it was fabricated i.e. they wrote that I fed my dog boiled hamburger and rice. I have NEVER fed my dogs hamburger - EVER - sick or not - so Trupanion relies on this type of inaccurate information - but I guess they would rather deny a claim as opposed to paying it. Also, it took them two months to process this claim
5

out of 5

POSTED: | BY: Robbie

Excellent

Provides excellent coverage and very quickly reviews and settles submitted claims
1

out of 5

POSTED: | BY: Deanna

Lengthy process

Very unhappy with the amount of time Trupanion took to process my claims.
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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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