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.
5

out of 5

POSTED: | BY: Janet Deal

Excellent!

Trupanion promptly and accurately processed my claim. The process was simple and they paid 90% after my deductible. With close to $3k in veterinary expenses this insurance has already paid for itself over and over again!
1

out of 5

POSTED: | BY: Doug

Trupanion should be called Excusepanion

We have been with Trupanion for the last two years with our three dogs which has been costing us 325.00 a month. We have had 7-8 problems with the dogs since being with Trupanion and they have wesseled out of every claim possible with every excuse in the book. The latest one is a claim pre approval was for a cruciate tear. Their excuse is they don't cover it because it happened in the other leg. We all know insurance is just another name for scam artist, but at least with car insurance they take the deductable, pay the claim and raise rates, not supply expensive rates, claim 90% paid on all claims and then come up with every excuse and disclaimer possible to get out of paying. I would not recommend this company to anyone unless you have money to waste.
5

out of 5

POSTED: | BY: Hubert

Easy to fax claim and quick reimbursement

I have unfortunately needed to file multiple accidental claims for our dog but Trupanion has covered 90% of costs minus the evaluation fee as stated on their site . I have been very happy with easy fax of forms and quick reimbursements.
5

out of 5

POSTED: | BY: M. Fineman

Seem to keep their promises; pay promptly

My cat recently racked up $1800 in medical expenses. My plan calls for 90% reimbursement, and they sent it to me without argument. I think I got the check less than a week after I sent in the claim.
1

out of 5

POSTED: | BY: Emily Johnson

Be warned about them

They called my cats fracture pre existing when it wasn't. Said they have me on tape saying he had fracture when I was inquiring about what would happen if he got hurt during waiting period. Had to pay 4k in vet bills plus waiting time. They assumed he was already hurt. Nasty customer service girl was not nice to me at all. They don't care. I'll be canceling my policy. They take your money but when it's time to pay up they state pre existing and claim you are on file saying it is. Nasty girl lied on her notes. They track phone number when you call.
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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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