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: Michelle

Fast, Easy, but not 100% coverage

Since this was our first claim, we were a little worried. Service was great, very fast repayment. Our only concern was the fact that the re-examination had to be paid for every time and since we took Max in 3 times in 72 hours for the same condition, we expected to pay only one examination fee.
5

out of 5

POSTED: | BY: Mandy

Easy Process and Great Return!

I just submitted my first claim since purchasing the insurance about a year ago. I printed the claim form, filled it out, dropped it to my vet to complete, and mailed it in with a copy of the vet bill. They contacted me via email when they received the claim and let me know that they were beginning the process. I received regular emails updating me and explaining what was going on. They needed more information from my vet, and let me know that they had submitted the request and that I didn't need to do anything further. Then a check showed up in the mail for 90% of the eligible services. I have 3 senior cats - 10,11, and 12...It seemed like every time I had to go to the vet with one of them, it was a $300 or $400 bill. Always necessary things, but it adds up fast with 3. I'm thankful Trupanion was willing to accept senior pets, because now I know that as they age, and more age related issues or diseases arise, I can continue to do everything in my power to keep my babies healthy and comfortable!
5

out of 5

POSTED: | BY: Art

Worth every penny

When we got our Great Pyrenees we knew he would be expensive, so for the first time we decided to get pet insurance. We looked at many companies and decided that Trupanion offered us the best combination of services. Within two months we put in our first two claims when the dog ended up mysteriously lame. Had it not been for insurance we would have been on the hook for over $1,000. Instead our total out-of-pocket expense was $300, and should he need more treatment for this same issue our costs are nothing. What's more important is that we were not afraid of trying recommended treatments and tests as the vets were confounded at first, thinking it was an orthopedic problem. As it turned out, he had a fungal and a bacterial infection in his paw and lymph nodes.
2

out of 5

POSTED: | BY: Suzanne

S L O W to reimburse.

It has been 4 weeks since my dog's surgery and i have yet to be reimbursed for allowable expenses.
5

out of 5

POSTED: | BY: Teresa

Excellent service!

Trupanion provided excellent customer service since the moment I signed up. They were very helpful and efficient with updating me on the process of my claim. I received my reimbursement within a short period of time and by having my pet insurance it saved me money and also I was able to provide my cat with the best care. Blackie is doing wonderful after his treatment and we are grateful to have such a caring pet insurance company.
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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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