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.
1

out of 5

POSTED: | BY: Barbara

Not what it's craked up to be

I would make sure you do your homework before signing up with Trupanion! I enrolled my puppy last April before his first birthday. I downloaded a copy of their policy and almost immediately I wanted to cancel because there is two pages of things they DON'T cover and a small paragraph of what they do cover. I called to cancel and I allowed the rep on the other end of the phone to talk me into keeping the policy; BIG MISTAKE!!! Just this past Christmas Eve my dog was attacked by another dog, it warranted me bringing him to the ER for stitches. I called Trupanion before I went there and the rep told me an accident like this would be covered. I completed the form and faxed it over the next business day after the holiday. The total of the claim was about $200. This was my first claim with them and I was impressed because I got an email rather quickly saying they were reviewing my claim. I actually thought everything was going to be smooth. About a day or two later I get an email from them saying my claim was denied because my dog is not neutered. Are you kidding me? I called and tried to have the claim appealed because my dog was not at fault and they claim they had the "Senior Underwriters" review it and there was no way they could cover this. Their logic is your pet needs to be fixed BEFORE they are a year old. This is something that was not explained to me when I signed him up about two weeks before his first birthday, and one of the questions they ask upon signin
5

out of 5

POSTED: | BY: Bryan

Reliable Pet Insurer

Submitted claim was processed quickly & correctly. I had Trupanion's payment before the charges came due on my credit card!
5

out of 5

POSTED: | BY: Georgia

Finally, insurance that is straight forward!

We had insurance through another company in the past, and when the time came to file a claim it was so confusing that we didn't even bother With Trupanion it was simple, and we knew exactly what to expect. We never would have been able to afford the emergency surgery on out dog without it! I'm so thankful my good friend, and Trupanion employee Nicole told me about it!
5

out of 5

POSTED: | BY: Barbara

I love Trupanion!!

I have 2 dogs who have been happy Trupanion clients for a few years now. One has an ongoing Dermatitis issue. I have never been denied repayment for his care and medicine. I am impressed with how quickly I'm reimbursed. I have also received prompt answers to a few questions I have inquired on via email. I have found Trupanion to be a an honest company who cares about the animals they insure and I plan to always have the security it provides for me. I love my animals so I'm going to keep giving them the best of care and this insurance company is the one I choose to help me achieve this.
5

out of 5

POSTED: | BY: Catherine

Always a wonderful experience

A wonderful experience with helpful staff on the phone.
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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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