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.
4

out of 5

POSTED: | BY: Shannon

Excellent so far!

Gryphon had a lump removed and once submitted, our claim was processed within 3 business days! Hope the rest of the tests turn out OK and the excellent service continues!
5

out of 5

POSTED: | BY: Eva

The best!

They really are the best. I have never had any issue getting claims paid, and their customer service representatives are extremely friendly and helpful.
5

out of 5

POSTED: | BY: Jordan

Toby my Great Dane

I will begin with the coupon. I was given a coupon for buy one night get 2 free boarding nights at Pet Smart. My family and I were going on a 4 night vacation out of state and decided to cash in on the 2 free nights. This particular Pet Smart had a doggy day camp available so to reduce Toby's (my Great Dane) anxiety I was going to have him play the day I dropped him off and the last day when we were to pick him up. I dropped Toby off as planned and we were off on our vacation, 30 minutes before my flight was to take off I receive a call from Pet Smart saying Toby has thrown up 3 times and it was their policy to have a vet look at him. While the flight attendent is asking me to turn off my phone I'm speaking with the on call vet telling them to call my vet and listen to what ever they tell you. I had to turn the phone off or proboby be thrown off the plane. We land 3 hours later and I have a message they have driven Toby over to my vet and my vet (who owns great danes herself) was suspicious enough of Toby's situation she had to have X-rays taken. There was a small blockage which medication was able to take care of and fortunatly my wife's parents and brother could watch Toby the remainder of our vacation. I started out thinking 2 free nights with doggy day camp we were only going to spend $85 for 4 nights sounds great! It ended up being $15 for time spent at Pet Smart and their vet, and $754.35 in care from my vet. Trupanion covered $678.92 and I only spen
5

out of 5

POSTED: | BY: Judy

Made a Claim

My pet Insurance company, Trupanion,is a positive cooperative and caring company.I have in the past called and actually talked with a service rep to explain to me if I have coverage for certain claims. My latest claim came back for my lab/german shephard 100 lb dog's torn knee ligament, which involved serious surgery.The claim came back within two weeks,and during that time,they kept in contact,as to when they received the claim,when it was being processed and when it was sent back to me.No other company of any kind has given me that kind of resolve. I was very impressed,that my money was not tied up for weeks or even months for reimbursement.
5

out of 5

POSTED: | BY: April

I am so happy we got insurance for our pets!

We live in Florida and have two puppies, one pup is just a year old and the other is six months old. When we took the younger one to be neutered, prior to the procedure his liver blood work tested abnormal and required specialty testing which included sending the blood sample overnight to Cornell University in New York. I doubted that it would be covered, but we submitted it to Trupanion and were thrilled to discover they covered 90% after our $50 deductible. It took only a couple of days to process and we received a check the following week.
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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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