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.
4

out of 5

POSTED: | BY: Jersey

Smooth experience

A generally smooth experience from start to finish. Claim was easy to file and reimbursement arrived within 10 days. Only complaint is that I am only seeing about a 75% return on my total expenses after the deductible, 90% coverage, no refund on taxes or exam fees. It's frustrating to pay for good, expensive coverage... spend $2000 at the vet, but only get $1500 back.
5

out of 5

POSTED: | BY: Jeff

A+ customer service

Thank goodness for trupanion! My Rotti, Tessa, had severe hip displiasa in both hips! We. We're able to get her surgery for both hips and a third when she popped one of her new hips out! Trupanion covered %90 of all the expenses! We would not have been able to do this for our sweet girl if not for Trupanion!!! We are forever grateful!!!
5

out of 5

POSTED: | BY: K.

Trupanion has been great

Our dog has been diagnosed with "epilepsy until proven otherwise." This can take up to a year to get the medication right. It's been six months an four episodes of seizures and Trupanion has been there for us.
5

out of 5

POSTED: | BY: James

Trupanion works

I have an 11 month old Puggle ( Charlie) and he required knee surgery, I was and still am insured by Trupanion. I must admit I was hesitant in getting insurance, as I had heard some horror stories about trying to get claims authorized. However, Trupanion came highly recommended and it was the best decision I could have made, Charlie is very much family and when he needed help we were there for him. Likewise when I needed Trupanion, they were there for me, there was no hassel, no fuss, just concern for Charlie's well being. The claim was authorized immediately, payment was prompt and follow-up e-mails, re: Charlie's recovery was a nice gesture. I am very happy with Trupanion...Thank you!!
4

out of 5

POSTED: | BY: Lori

Overall I am satisfied

I had to call several times and spoke to several people until an x-ray was included as part of the deductible. I brought a sick cat into vet's office and bloodwork and xray were ordered. Trupanion felt the xray was not necessary because it did not involve the eye even though the cat had respiratory symptoms as well as vomiting. Of course the xray would be ordered. I had to fight for that. It took 5-6 weeks after the first visit to receive reimbursement. Too long. But overall I am satisfied because in the end they paid what should have been paid.
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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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