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: Ryan

Scam at best...

Horrible. 0 if possible.We have had Trupanion insurance for over 3 years now and Trupanion has not paid a single claim. Each claim submitted has taken over a month to finalize and each time they come back and deny the claim. If a vet wrote down that your dog fell down, Trupanion equates that to your dog having a history of seizures. They find something in your pets medical history that they can stretch into being something else to deny your claim. This has happened 3-4 times to us in 3 years. When we originally signed up, we had a ~$20 premium with zero deductible. 3 years later with zero claims paid to us, our premium is nearly $45 with a $250 deductible. I cannot stress enough what an absolute scam this company is. Horrible product, horrible service. Steer clear.
5

out of 5

POSTED: | BY: Esther

Great Service

Everytime I submit a claim, I get very quick and detailed responses. I get my money back quickly and have never been disappointed.Great service.
5

out of 5

POSTED: | BY: Darlene

Excellent coverage, laborious paperwork for me/vet

A far superior insurance company to my first company. Very caring, helpful customer support. The actual overage and pay out on the claims were far superior to a prior company I have dealt with.The only major drawback was that every invoice required a claim for signed by my veterinarian even though 98% of the invoices related to the onset of my dog's illness. this was frustrating for the veterinarian, her front desk staff and myself even though I was very organized in my approach to this matter.
5

out of 5

POSTED: | BY: Cheryl

I am very happy with Trupanion.

This is the third claim I have submitted to Trupanion for my dog, Sadie. They handle my claim quickly and efficiently. I would recommend Trupanion to anyone.
5

out of 5

POSTED: | BY: Ron

Completely satisfied

Trupanion provided the benefits which I expected and did so in a timely fashion. I would recommend this company to any pet owner, and I would not own a pet without having the coverage which Trupanion offers.
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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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