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.
3

out of 5

POSTED: | BY: Anthony

Pay attention to your claim.

Although they pay rather quickly, make sure you pay attention to your claim paperwork. I caught a mistake that was made by Trupanion that if I didn't look at the claim papers and check they sent me, I would have been out over $200. Trupanion used the excuse that it was an oversight on their part. I wonder how many oversights they have in a year. Be careful and look at all your paperwork.
4

out of 5

POSTED: | BY: Robert

Satisfied

My 18 mo. chocolate lab had lameness in his right front leg. We took him in for xrays and ct scan and found a small bone chip in his elbow. I filed the claim within 24 hours and it was completed within 10 calendar days (7 business days). Trupanion stayed in contact with me throughout the process.
4

out of 5

POSTED: | BY: Linda

Gracious and helpful all the way around!

My experience with Trupanion was top notch. They answered all my questions in a very timely manner and they processed my claims immediately. The only issue I would have is that during my pets recent health issues, until we received the diagnosed as FIP, we had to pay the deductible on each claim with each vet referral. Other than that, it was a good experience.
5

out of 5

POSTED: | BY: Temperance

EXCELLENT!

Couldn't have been more satisfied! So quick to respond through whole process. Had payment in a week! We definitely made the right choice with Trupanion. Our puppy is barely a year old. Trupanion will be our source of "comfort" for a long time.
5

out of 5

POSTED: | BY: Erin

Amazing, caring people are behind this company!

We absolutely love Trupanion. Our vet reccomended we get the insurance for the first couple years until we rule out any huge health issues, plus small dogs seems to have more accidents, illnesses, etc. After a few "wobbly dog" episodes, we found out that our little Rambo was actually experiencing ataxia post seizure- fresh blood was getting to his brain as he had a liver shunt. Which means, that a vein is bypassing his liver which in turn circulates toxic blood. The operation cost $1800 and we only paid $200 in the end, and his special food post operation is 50% covered. We are so grateful!
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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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