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: Milo

Very quick and responsive.

Overall we were very pleased with the service we recieved. They were quick to handle our claim and we received payment within a week of filing. They were also very good about answering some of our concerns when our payout total did not come out to what we expected. Our only disappointment was to discover that the taxes we paid for our pet's care were not covered. That was not clear in our printed policy that was sent to us. It is on the website, but not easy to find. That should be made more clear and notices should be sent out. They did cover 90% as promised, but before taxes.
5

out of 5

POSTED: | BY: Marie

Money Well Spent

Monty found us late last summer. He was just a little kitty but he had a wonderful temperment. Since I already had two cats, I was a little leary of taking in a new "free" kitty. However, he wouldn't take no for an answer. We noticed that his paw was swollen and he was limping. I took him into my vet and had him treated. The Cat Clinic North urged me to think about insurance for him. I had never taken out pet insurance in the past and I had delt with some extensive vet bills in my time so I gave Trupanion a try. Then Monty developed some skin problems. It is worth every penny I have spent on premiums. They work closely with my vet, my vet has helped me out with every claim and I was delighted to get reimbursed for over $1,200 quickly and without any hassles. I can't praise this service enough.
5

out of 5

POSTED: | BY: Delbert

Trupanion is Great

Great job Trupanion
5

out of 5

POSTED: | BY: Megan

Great Service

Have had excellent service in getting claims approved and payment recieved. Very easy to send claims in and quick turnaround time.
5

out of 5

POSTED: | BY: Catherine

Love Trupanion!

I have had my dog insured with Trupanion for 1-1/2 years never and have always had great experiences. My dog has had two cases of gastroenteritis, a skin infection, and most recently a broken tooth that required a crown (at the recommendation of my referring vet and the veterinary dental specialist). They have been very fast with processing claims and have never given me any trouble about pursuing the best medicine for my dog. I would highly recommend them!
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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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