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.
5

out of 5

POSTED: | BY: Crystal

Breathing Problem

My dog was starting to breathe a bit raspy .... AndWe found likely needed a surgery to allow her to breathe better. Trupanion had no issues paying for this or any of the other numberous things that happen to her all the time ... Like gastric upset, there was that constipation, etc. If u are the type of person who would do whatever your pet needed medically ... then get trupanion pet insurance ... Never had a Problem with them and had them for 2.5 years now
5

out of 5

POSTED: | BY: Peyton

TruPanion rocks!

Brought my dog in to the vet because she was vomiting and had diaheria. I submitted my claim to TruPanion and they sent me the check within a week. Great service.
1

out of 5

POSTED: | BY: carol

Awful so far

have to say that so far I am very disappointed with Trupanion. I moved to Canada from Australia with my healthy 9.5 year old Jack Russell terrier in June. She got a full bill of health from both her own vet and the vet at the very reputable transporter i used to fly her to Canada (at a cost of 2k). I have always had pet insurance for her so I did my research here and went with Trupanion. In August my doggie jumped off a (8 feet) deck and ripped one of her dew claws out and broke a tooth at the same time! I rushed her to the vet who advised immediate removal of the broken claw and advised we may as well do the second one too as a precautionary measure as she had to have a general anaesthetic for the procedure. He also removed the broken tooth while she was sedated. When i made a claim I was asked for her medical records (weeks ago) and I sent my dog's very comprehensive records from my vet in Australia to Trupanion but it seems this is not enough?! Now they tell me they need more.. if it were an illness she had then I could understand it - of course pre-existing illnesses are not usually covered be it for animal or human. However for an ACCIDENT what else could they possibly need to expedite the process? Well, apparently they need a SOAP?? A (subjective, objective, assessments, plan) - I have been a dog owner most of my life and had my pets insured for at least the last 15 years and never heard of this -and neither has anyone else I have spoken with. Although I know that
5

out of 5

POSTED: | BY: Alexa

Best service!

In the summer, our cat was in acute kidney failure. Nearly a week in the emergency hospital and $3,000 later, we took her home with chronic kidney disease. Trupanion quickly fulfilled everything they promised in her policy, making the process of claims and reimbursement completely painless. Now, our cat has ongoing treatment for her chronic kidney disease - which Trupanion is continuing to pay for without any difficulty. Their claims are processed very quickly - faxed one day, direct deposit practically the next. And even when we were worried when the official diagnosis changed - from acute kidney injury to chronic kidney disease - where other insurance companies might use it as an excuse to reset the deductible, Trupanion didn't blink an eye. We insure both our dog and cat with Trupanion, and will continue to do so with them, and all of our future pets.
5

out of 5

POSTED: | BY: joanne

BigHeart company

Trupanion helped us a lot, Sam my 7 year old sharpei, got sick, my bill at the specialized hospital went up to more than $5000 and I got 90% of what I have paid for the hospital bill. We are so thankful that we got the best insurance out there. Our Sam is doing great, fully recovered, thanks to Trupanion, we know that we can give the best care that Sam deserves. I am a member of a sharpei forum and I always mention that this company is the best out there....
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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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