Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,162

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: Sharon

Prompt, fair, and professional service. Pleased.

Ingested poison, treated immediately. Claim submitted and settled in a timely and professional manner. This is the second claim I have submitted in Chimo's 6 years and both were handled fairly and to my complete satisfaction.
5

out of 5

POSTED: | BY: Pamela

Excellent customer service

The customer service was exceptional. I received a call from a Trupanion rep. to let me know that my fax wasn't clear and readable which gave me the opportunity to send a new fax and facilitate my claim. My claim was resolved very quickly with the reimbursement that I expected! I have and will recommend Trupanion insurance. Thank you.
5

out of 5

POSTED: | BY: Laura

One Happy Dalmatian Owner!

I have a 1 year old Dalmatian named Brooklyn. 1 year old exactly, her birthday is today! As you may know, Dalmatians have a ton of energy, and ours brings new meaning to that description. We've had MANY emergency vet visits with Brooklyn. From a split open head at 3 months to two teeth being extracted because she collided with another dog and broke them, and several others instances, Trupanion has been there for us each and every time without question! These claims were each in the $100-$600 range. The claims process is stupid simple and the one-page form can be filled out by any five year old. All we have to do is provide our vet with the form and they submit the claim for us. Within about two weeks we have a check for 90% of the costs (not including the actual visit fee, which isn't covered). The one time I had to call Trupanion, when Brooklyn lost her ID tags, the customer service rep was one of the nicest reps I've dealt with ever. Anyway, I'm sure you can see that I think Trupanion is the greatest. I only wish they were around when I had my last Dalmation!
4

out of 5

POSTED: | BY: Ashley

Have been great to work with!

After debating for months and researching I found Trupanion to be one of the insurance companies that covered the most. I have two olde english bulldogs and in less than a year of having coverage they have paid almost 2k for claims. My small pup choked on a bone and had to be rushed to the emergency room and now my older pup has a partial cruciate ligament tear and over the 3 doctors we have been to they have covered what they state in the policy. The only downfall I see is the fact that they don't cover chiropractic and alternative care. Before we had answers as to our dogs leg issue our regular vet did laser treatment to reduce his swelling and it was not covered under the policy. it would be nice to have that as an endorsement even if it required additional premium. But, for the most part I have been so grateful for having them as my insurer for my pups!
5

out of 5

POSTED: | BY: Reshu

Great service ! Thank you Trupanion!

We recently got insurance from Trupanion for our three dogs. My greatdane Jumbo suffered from gastroenteritis and had to be taken to the vet twice in last month. Needless to say, the vet bill was high because of all the exams/X-rays/ blood-work and medicines! Since it was our first claim, we did not know how it would work.Thanks to Trupanion, our claim got cleared in a very timely way and we received 90% of the cost back within few weeks.Great service from our insurer 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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