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.
4

out of 5

POSTED: | BY: Rebecca

Broken leg

My puppy fell off the bed and broke her leg. Trupanion was quick and very kind. We had a few complications because they didn't have all her history at the time. Once it they had all the infomation on her the other claims went quickly.
2

out of 5

POSTED: | BY: Bruce

Overcharge

One of my two insured dogs had a cancerous lump removed from his leg. When I recieved the report of my claim for this illness, Trupanion broke it up into several different incidents and instead of paying the $250.00 deductable, I actually was charged, inaggregate of $288.00, all for the same illness.
5

out of 5

POSTED: | BY: Alan

Excellent!

Our two year old dog became ill so fast and it took the emergency vet two visits to stabilize her. After two nights in the hospital she came home on a strict ten day food/medication regimen. Within two days of her first going to the vet we were notified by Trupanion that they were processing her claim. They also showed concern about our dog's condition. Trupanion covered ninety percent of the total bill which was over $2,000.00 (minus initial check-ups). We received the checks within two weeks of our dog becoming ill. We are very thankful that we signed up with Trupanion for our pet insurance. We never thought we'd need it this soon in our dog's life. We just got an e-mail today from Trupanion asking how our dog is doing.
4

out of 5

POSTED: | BY: CO

Prompt review and payment receipt

Prompt payment received from the carrier. One thing I did not like though is the auto reply asking how the pet was doing after he had died. They need to connect the auto reply to their claims so that this does not happen. Was surprised though that his cremation was not covered.
5

out of 5

POSTED: | BY: Jesus

Pleasant Surprise

Insurance companies are not necessarily known for being incredibly cooperating and supportive, but Trupanion has proven they are not a typical insurance company. I have an english bulldog that has unfortunately had to deal with skin irritation and Trupanion has been supportive, monetarily and emotionally, throughout the entire process.
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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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