Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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: JP

Simply awesome

I insured my puppy the day we got her. She had giardia, a cough and some sort of bug from eating something in the yard. $0 deductible with 90% coverage, paid for itself and then some this year after three visits. Quick, responsive and easy to follow process online. Could not be happier. First claim took 10 days as they verified records. Subsequent claims ~4 days.
5

out of 5

POSTED: | BY: Anjury Gallardo

Trupanion Review

They were excellent in processing my claims and keeping me informed of the statuses.
5

out of 5

POSTED: | BY: Kelly Weissman

Quick, honest, and caring

My young dog swallowed parts of a toy that got stuck. The emergency surgery was costly and nerve-wracking. Trupanion handled my claim within a reasonable amount of time and paid just what they said they would. I am so glad I had Trupanion pet insurance when I really needed it!
2

out of 5

POSTED: | BY: Samuel N.

Very Stressful and Confusing

The hold up was Trupanion receiving medical records from earlier vet. After the vet forward and I forward the record, Trupanion still didn't post that they had the record. And then when new claims were submitted it was like it an automatic message that the records were missing.
5

out of 5

POSTED: | BY: Glenn Trueman

Christi's double knee surgery

Christi, a young black lab, developed a left knee problem at 8 months. A vet exam and XRay indicated an ACL problem but we had to wait until her bones had finished growing at 18 months for surgery. In July 2013, she had TPLO surgery on the left knee at Pet Focus in Halifax. Pre-op and operation costs came to $3500. During the surgery, an XRay of the right knee indicated a partial tear in the ACL and some osteo arthritis developing. Another TPLO surgery was conducted Oct 9 at a cost of another $2500. In both cases the surgeries performed by Pet Focus were highly successful; Christi has regained full use of both legs with no complications.Throughout this entire ordeal Trupanion has lived up to its advertising fully. Provided you follow their rules, there was no quibbling over either claim submitted and payment of 90% of claim values was received in 1-2 weeks. As well, they kept us informed as to the status of our claims; we were never left in limbo. We would highly recommend Pet Focus Vet Hospital and Trupanion Insurance to any pet owner. Their services are superb!
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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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