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: Green

Quick turnaround

Was pleasntly surprised how quickly I received a check! I faxed the claim to Trupanion and within a day had a confirmation e-mail that it was being processed. A day later I had another email, stating a ceck was on its way. Three days later I had it! They do take off some money for the office visit, but overall paid about 70% of the claim. I have 2 dogs and it was the same situation for the second! Great service.
5

out of 5

POSTED: | BY: Adrienne

Best Pet Insurance Ever!

I have a German Shepherd who was diagnosed with an ear hematoma, which needed to be surgically repaired. I didn't hesitate one minute getting the surgery because I knew Trupanion had my back! , I'm so impressed with the whole claims process. It took about 4 days to process 2 claims. Trupanion kept me informed through every step of the claims process.
5

out of 5

POSTED: | BY: Colette

Good service

The emailed status reports were great. I'm still awaiting payment. The only complaint I have is that they emailed me regarding one of the three invoices I sent for Wilson's illness, stating that I hadn't met the deductible so there would be no payment. I called and they told me they reviewed each invoice separately and I would receive payment on the other two invoices.
5

out of 5

POSTED: | BY: Kevin

Nikki's bladder illness

Trupanion couldn't be easier to work with. The claims were submitted and paid promptly. Thanks you.
5

out of 5

POSTED: | BY: Suzanne

Trupanion Coverage of Sock Puppy

When I got a new puppy, I decided to get insurance on her and our other dog. I called to set it up and was going to get a $500 deductible on both dogs. The agent suggested that I lower the deductible on the puppy since they often do foolish things. I gladly took her recommendation and set up a $100 deductible on the puppy. Sure enough about a month later, the puppy swallowed a whole sock before I could get it away from her. I called our emergency vet and had her to their office within 15 minutes. They were able to get the sock out without surgery but my stress level was lowered by knowing that I would be able to afford any and all recommended treatment for her without cringing at the costs. Trupanion was very quick about reimbusing me for my claim and covered all of the costs they were supposed to. I will highly recommend them (and have already) to anyone with a pet. Thanks to Trupanion!
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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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