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.
5

out of 5

POSTED: | BY: Matt

Lifetime Customer

Our dog Mac (18 mo. Valley Bulldog [Bulldog/Boxer]) ruptured his ACL. After our intial vet visit, follow-up xrays, then referral to a specialist for consult and surgery, our boy managed to rack up over $4000 in medical bills. Coverage has been excellent, and I am comfortable calling trupanion to discuss my coverage. Unlike my car insurance where I'm afraid to even call them for risk of my rates going up. Vet consultations are not ever covered, which is clear from the beginning, and it is fair that the low rates don't relect the expense of going to get second or specialist opinions. The surgery itself was pre-approved. We picked our boy up on Wednesday, I had a cheque in my hand the following Monday. It took longer for the bank to process my cheque than it took trupanion to issue it!
5

out of 5

POSTED: | BY: Angela

Great

The process was quite easy and I am satisfied.
5

out of 5

POSTED: | BY: Amanda

Awesome

My 5 year old golden retriever had horrible diarrhea with blood. She ended up having to go to the ER Vet and needed to stay for a few days. Ultimately, she had a motility problem in her intestine and pebbles/rocks were in her stomach. Furthermore, through some testing it was discovered that she had a thyroid problem. My bill was approximately $2500. I had only bought my pet insurance plan about 4 months prior to the incident. Within 3 weeks I had my claim approved and Trupanion paid 90% of the medical costs. Everyone at Trupanion was very helpful and nice, which made the process go very smoothly! I was very thankful.
5

out of 5

POSTED: | BY: Lindsay

Love Trupanion!

We signed up with Trupanion a few days after we brought our puppy home. A friend of ours has had a dog with numberous health issues and recommended getting insurance right away, as it would have saved her a significant amount of money. Our puppy has proved to be a typical puppy getting into trouble when he can and we've had a few visits to the ER. In both cases Trupanion covered 90% of our costs. It has more than paid for itself and we are so thankful to have it. I still think Trupanion is the best option out there, although I have no personal experience with the others. No reason for me to even consider switching, Trupanion has been amazing!
1

out of 5

POSTED: | BY: Alejandra

The worst!

I am a very unhappy with the service of Trupanion. They have just denied for the second time a claim for the amount of $800. I have had my Gordon Setter Duke for 6 months. We called Trupanion confirming if he was eligible for coverage along with our other dog and 4 cats. We were told that he had to remain healthy without illness for the first 30 days,which we understood. Of course, he got diarrhea within in first 30 days and after fecal tests were completed was diagnosed with Giardia. Again two months later Duke had diarrhea again and had different fecal tests and was then diagnosed with Clostridium. The tests, vet visit and medication were $800. Trupanion denied the claim stating that reimbursment claims are measured on symptoms not diagnosis. So if Duke every has diarrhea again, his claims would not be reimbursed because he had diarrhea within his first 30 days of the policy. I and my vet were very concerned so an appeal letter was written by my vet explaining the symptoms for the two different diagnosises. The claim was denied again. Claims should be measured on diagnosis no symptoms. Stay away from TRUPANION!
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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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