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: C

Trupanion's reimbursement process is efficient!

Our dog (Shar Pei, aged 7) was diagnosed with a Mast Cell Tumor. We submitted the costs associated with his procedure to Trupanion for reimbursement. Within a week, Trupanion confirmed receipt of the reimbursement and was actively working with our animal hospital to obtain information to complete the reimbursement process. In less than one month following the procedure we received a reimbursement check in the mail. They made the process very easy and were incredibly efficient.
5

out of 5

POSTED: | BY: Felisa

Elbow Dysplasia Claim

We have been extremely impressed with the way Trupanion has helped us with our dog surgey and easy pre-approval and reimbursements. Customer service is outstanding.
5

out of 5

POSTED: | BY: Colette

EXCELLANT!

I would highly recommend Trupanion! Bottom line we were very lucky that we decided to go with pet insurance on our new pups. In less than 7 months we have had to use it twice for our older pup, Bosco who will be only 1 year old this week. The first time was to have two puppy teeth pulled when they refuse to come out! The second and more significant was to have a growth removed on his umbilical hernia. (Later diagnosis as calcinosis circumscripta). Then Bosco developed an infection at the surgical site which added to the over cost of this procedure between having the infection cultured and then the antibiotics. I opted to secure “pre-approval” for each surgery. That helped with the claim process. Both times, the claims where processed quickly and if Trupanion had any questions they kept me informed and were easily available and quick to respond if I had questions! I am very pleased and fortunate to have Trupanion! Believe it or not calcinosis circumstripta is a condition that can come back and future growths may need to be surgically removed! We have the peace of mind to know Bosco is covered!
5

out of 5

POSTED: | BY: Maria

best insurance

since I choose TrupanionI had the best and prompt response from them They honestly care! I am very satisfied
1

out of 5

POSTED: | BY: Chris

Very Disappointed

I contacted you, printed out the claim form, collected all the documents you requested and mailed them all in the same envelope. There were a total of 4 bills which were clearly itemized on the claim. Whoever opened the mail, just selected ONE of the bills and discarded or ignored the rest. Then I was told that they were not sent! I had to take the time to pull out all the bills again and resubmit via fax. I requested to speak with a supervisor and requested some feedback after an investigation as to how this happened. I have heard NOTHING back from the supervisor who was not exactly professional in her demeanor. I am not surprised at this point. I am very sorry I spent my money with this company on this insurance - the whole experience has been quite annoying.
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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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