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: Mary

I never have to wait with Trupanion

Trupanion has always been so very prompt and they have always paid just like they said they would.It is so nice to not have to worry about having to fight with Penny's insurance company. When I take her to the vet for a problem my vet has extra forms in her chart, he fills them out faxes them in and within 24 hours I have an email from Trupanion and in five days a check... what more can you ask for.
5

out of 5

POSTED: | BY: Michelle

Excellent Service!

I am so impressed with the whole Trupanion team. They processed my claim quickly, but I was most impressed with their level of service. I was advised every step of the way re: the status of my claim, and all the people were so friendly. I really appreciate the personal and friendly service. Again, so so impressed!
4

out of 5

POSTED: | BY: Wendy DeVries

Peyton

I am very pleased with Trupanion . I usually deal with one person (Tricia Sellars) Which is nice to know if I need someone I have a specific person that helps me. Unfortunatley this past week my dog has become ill for some unknown reason. The ER could not find out anything wrong and keep doing test. I am SOOOO thankful for Trupanion because if it wasn't for the pet insurance my dog would not be here anymore because I would not be able to afford the medical bills. I LOVE TRUPANION AND TRICIA SELLRS IS A ASSETT to their team. She is one reason why I kept it. The team has been helpful everytime I call no matter who i talk to . I will always have this insurance on any dog I have. Still working on Peyton but I hope someone can help him.
5

out of 5

POSTED: | BY: SARAH

GOOD

Great customer satisfaction! I do recommend to other pet-owners. Especially coverage up to 90% is really great and I did realize that they have passion on animals not on $$$
5

out of 5

POSTED: | BY: Paul

Truly Good Pet Insurance!

Exceptionally quick response time and no major squables about what is or is not covered as their information is clear and direct. Have recommended them to may at the dog park.

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 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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