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: Rayna

So Far So GREAT!!!!

I was very hesitant about purchasing pet insurance. I started off by just putting money aside every month into a bank account. After a small incident that ended up costing hundreds of dollars I figured I needed to give insurance a chance. If something else major happened I would be crushed financially as the bank money I had set aside was already gone from one minor incident. I am SOOOOOOOO glad I went with my gut. Few weeks ago I had to rush my pup to the ER. It was such a relief when they brought out the estimate that she was insured. All I had to do was worry about my baby and not about the bills to make her better.
1

out of 5

POSTED: | BY: Jennifer

NOT HAPPY

Yes, I cancelled my policy!Trupanion went out of their way to determine my dogs issue was preexisting when it wasn't. Digging through old files and associating unrelated issues to the one I had treated. No where in her records did it say she had what she was treated for. Unfortunately, her vet didn't want to "get involved" with any type dispute, now looking for another vet.Basically I got mega screwed out of 4 grand. I will NEVER advise anyone to use Trupaion EVER!!!!!!. Until my last breath!!!!!Upon your review I doubt this will go any further, but word of mouth is a wonderful thing. You have a great day!!!!!
5

out of 5

POSTED: | BY: Sandra

Great Service No Hassle!

I had an emergency w/ Zeus. Thank God I have Trupanion! From the moment the Vet's office submitted the claim, the staff at Trupanion keep you posted on the status every step of the way. Within a week my claim was processed & mailed out to me. Not only was that a quick turn around but 90% of the bill was covered. The only thing that could beat that is 100% coverage! The customer service I have received on this & previous occasions has always been friendly, informative, & professional.
5

out of 5

POSTED: | BY: Joanne

Atopic Dermatitis

My 6 yrs old male golden retriever/poodle cross is insured with trupanion and has had ongoing issues with what has now been dertermined as atopic dermatitis. We have recently started on Atopica and and it is working fantasically. I am very pleased with Dr. Defalque at Canwest animal clinic and with the quick and hospitable claim process with trupanion.
5

out of 5

POSTED: | BY: Mark

very satisfied

My 6 yr old Golden Retriever was diagnosed with Osteosarcoma (maglignant bone cancer) of her hind left leg 2 months ago. If it wasn't for the support from trupanion pet insurance I would not have been able to give her the quality of care she is receiving. I will update this post as her treatment progresses.
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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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