Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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: Lindsay T

Horrible first claim experience.

I brought my dog in because she was having bloody diarrhea. Upon exam, they found out that she had accidentally eaten something that was causing her discomfort. Upon reviewing the stool sample, it came back positive for a parasite. I was comfortable knowing we had Trupanion however I was disappointed to find out my claim would not be covered and our payment would have to be out of pocket because it was still in the 30 day grace period. This was on March 13th and my grace period ended on March 14th. Seriously??? Aren't you supposed to be there for me when my dog is ill? If I would have waited one more day to take her in good lord knows what could have happened to her. You can count on me fighting this claim and debating the continued use of your services in the future. Thanks for nothing.
5

out of 5

POSTED: | BY: Barbara Lengyel

Pleasant people to ask inquiries.

The only issue I have had is fax was not submitted therefore it took longer time for payout.
5

out of 5

POSTED: | BY: Karen Chumenti

Fantastic Excellent Helpful

They are great. They review the claims quickly and get your refund to you very quickly also. Extremely courteous and helpful when you call them. We are very pleased with Trupanion. So glad we have them!!!!
5

out of 5

POSTED: | BY: Jackie Lumley

Excellent

Claims were submitted on-line by the vet office and were processed almost immediately.
5

out of 5

POSTED: | BY: Cheryl Renee

Worth Every Penny

(Less one star based on an instance where I was not advised of a change in Trupanion's policy regarding one item, which caused a bit of time and effort to resolve to my satisfaction.) Dear Trupanion, Thank you so much for your prompt response - it's been less than a day since I submitted my claim to you, and I just got an email saying that it's been processed! More, thank you for being there. When I first signed up with your company last summer, I was kind of taken aback afterwards - the policy felt like a luxury that I could barely afford. And - also somewhat unnecessary - still 13 years old and insurable then, up until that point my cat Titania had been perfectly healthy. However I have to say that because I took that jump to get on board with Trupanion, Titania has been pretty well saved from 'economic euthanasia'. Since getting the policy, I have saved several thousand dollars at least. So far you have seen her through two fractured teeth, both a heart murmur and arrhythmia, a severe kidney infection, and what appears to be the start of kidney disease. With your help, Titania has gotten the excellent care she has needed, and so the quality of her life right now is actually quite good. In retrospect, taking the initial risk to purchase a policy was such a right decision.
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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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