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.
2

out of 5

POSTED: | BY: Roberto Munoz

time for resolution took very long time

Claim took almost 2 months to be resolve for a small amount of under $100 in the process I was mistakenly charged for a deductible amount when my account had a $0 deductible policy. I was disappointed it took this long. Although they were able to correct the issue, I feel the time that it took was too long and it was not what I expected.
5

out of 5

POSTED: | BY: Nami Park

excellent

I have been with VPI previously for approximately 13 years and their insurance plan was good but Trupanion's process is even better.
5

out of 5

POSTED: | BY: Ken sisk

Great

Easy filing, decently fast processing, and covered everything. Couldnt be happier
5

out of 5

POSTED: | BY: Wilson Tee

Peace of mind

My dog Kong Kong swallowed a bone and it was too large to pass through the esophagus (throat). Without hesitation, we took him to the vet and ER later to had the bone removed. My wife and I are very please that we have Kong Kong insured under Trupanion. Not only it covered 90% of the vet costs, but most importantly- peace of mind at all time.
5

out of 5

POSTED: | BY: Clifford Imahara

Thank you Trupanion!

I guess it's SOP for veterinary hospitals to only deal with patients when it comes to payment for services. Our pet dog was ill and required numerous testing and ultimately surgery and biopsy to determine illness. Thank God it wasn't cancer which we were preparing for and turned out as a chronic bronchial problem. We paid out $12k to the hospital and were worried, what if the insurance didn't pay for any reason? Regardless, we would have paid whatever it took for our dog to get better. Our insurance Trupanion, same day claims were faxed by the hospital, they sent us an email that they rec'd and are starting to process. Checks for reimbursements were sent within a couple weeks and still sending them as we submit ongoing claims. We are very pleased with the service and the coverage and their timely and caring emails about our dog. Highly recommend
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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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