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: Martin

EXCELLENT - Just as advertised

We submitter 3 clames with our French Bulldog and so far, didn't run into any problems. Its just as advertised. We pay exam fee, one time deductible per condition, and everything else was covered by Trupanion (90%). Vaccinations and any preventatives are not covered. All in all, great service, fast response, pleasant over the phone - great pet insurance. Wish there was a place to upload your pets pics so that they could be featured on your profile and on the website. (current photo feature is not working). Highly recommend.
5

out of 5

POSTED: | BY: Onya

Mindy's Malocclusion & persistent deciduous teeth

My 6 month old Maltese “Mindy” was having issues with Malocclusion and persistent deciduous teeth. When she was spayed and micro-chipped on July 26th she had about 3/4 teeth removed but she was still having trouble and was referred to the Dental Center and had surgery on August 8th where she had 12 teeth removed and some orthodontic work to help move her canines into the right location. This would help solve soft-tissue defects from tooth contact in the floor of the mouth and the roof of the mouth (palate), and save her from future mouth injuries, periodontal disease, fractures and wear on teeth due to the teeth misalignment). This procedure was expensive but I wanted Mindy to be okay and have teeth without pain. Mindy had this surgery on August 8th and I submitted my claim on August 9th (a claim from the deciduous teeth pulled on July 26th and a claim for dental surgery the day before) on August 16th exactly one week later, I received an email from Trupanion that they will be paying 90% of the eligible bill - this was everything except for the $85 examination fee for the dental surgery; and they also sent an email about paying 90% for the eligible work completed on July 26th. Thank you Trupanion……YOU ARE THE BEST!!!!!!! I AM SO HAPPY I HAVE YOU!
5

out of 5

POSTED: | BY: Lana

Outstanding!

Every single customer service representative I have interacted with at Trupanion is amazing! They are sympathetic to your concerns, while also being realistic and fair. You can tell they are not just working for Trupanion for a pay check, as many people ask intimate questions about my dog and relate to situations by telling stories regarding theirs'. Thanks Trupanion! I couldn't afford to love and care for my dog like I want, without your support!!
5

out of 5

POSTED: | BY: Deanna

Timely, compassionate; overall: terrific!

Can't say enough positive about Truepanion; The speed with which they handled my claim, was outstanding. They kept me informed from day one as the process moved along. I so much appreciate the compassion they show for the pet and its human. Thank you Trupanion.
5

out of 5

POSTED: | BY: F.C.

Easy, Quick, Complete, Perfect!

I wish my health insurance was as easy to deal with as Trupanion. From the visit to the vet until the check was mailed, I was informed of every step along the way, there were no paperwork hassles, and it was done quickly and efficiently - and I could put all my attention on my cat where it belongs.
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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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