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: Vicki

Very quick attention to claim.

Riley my 7yr. old labradoodle swallowed stick fragments & some insoluable sustance on a Sat. & became sick after my vet had closed. I took him to an unfamiliar clinic that was very responsive & caring. He was vomiting continuously which soon turned to blood. He required immediate IV/medicated treatment. They submitted the claim the next day & immediately I received an email stating the claim was being reviewed which was quickly followed by another saying the claim was being taken care of & a payment would be forthcoming. Trupanion is an excellent company & I have recommended it to many dog owners. Thank you for the excellence you provide to us in times of unforeseen animal crisis. Vicki Lambert
5

out of 5

POSTED: | BY: Tracy

Trupanion is awesome!

I love Tupanion! They are quick to respond and cover so much! My Lilly has so many conditions and they even cover 50% of her perscription food. They respond quickly to phone calls and emails and their website is easy to use.
5

out of 5

POSTED: | BY: S

satisfactory outcome

Our Boxer Mia was in deep trouble. She couldn't hold anything down and had diahhria bad. We got her in to the vet pront when we realized her condition could not get much worse. They operated hours after diagnosing a blocked intestine. The following monday I filled out the appropriate forms and passed them on to our vet clinic. The attending Vet processed the forms immediately and faxed them to Trupanion. We recieved a confirmation of submittal the same day and a follow-up three says later. Within 10 days we recieved a cheque in the mail and the file was closed. The timely resolution to our claim was appreciated, especially during the Christmas holiday season. I have no regrets going with Trupanion as they have delivered what the policy covered.
5

out of 5

POSTED: | BY: James

excellent

claims and questions were handled promptly and professionally
5

out of 5

POSTED: | BY: Meagan

Quick, Easy and No-hassle

I have an insured 7 month old West White Highland Terrier who was admitted to the vet hospital for chronic vomiting. The claim I submitted was for hospitalization overnight, fluids, medications, referalls etc. I submitted my reimbursement request and within a few days I had an email updating me on the progress. The next day I received an email saying the cheque had been mailed out (including the amount and applicable deductions). It was all very nicely laid out and easy to follow. A few days later I received my cheques in the mail. I have submitted 3 claims to date and trupanion has held up their end. I usually have the cheques within the week and have never had an issue. I thoroughly recommend Trupanion and am very happy I made the choice to use them for my pet's insurance!
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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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