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: Patti

Very Happy with Trupanion

We have put in several different claims with Trupanion on our Yorkshire Terrier puppy. One claim was for a Histiocytoma cytology & removal, which was a growth that was growing around her collar area, and getting bigger. Trupanion reimbursed us 90% of the amount. They processed the claim soon after it was received by them from our Vet via fax and emailed me with updates as to how the claim was progressing, which I think is great service. We got our check within 2 weeks. Another claim was for an extracted retained deciduous tooth. We were reimbursed 90% of the bill within one week!! They are GREAT!
5

out of 5

POSTED: | BY: Mindy

Quick response

Trupanion emailed me when they received my claim, and responded with a check promptly. I was very satisfied.
5

out of 5

POSTED: | BY: Reba

Simple and relief

After receiving a one month, zero deductible free trial our puppy had unknowingly ingested chicken bones. After a morning scare of him not moving, eating or drinking, diarhea and vomiting we took our little guy into the vet. Our puppy required a serious of diagnostic tests to find out the issue as well as an overnight stay our puppy was free to come home. Trupanion responded quickly to our claim. As a university student the bill was worrisome but Our vet bill was reduced by %90. The staff were so supportive and friendly and followed up numerous times to make sure our little guy was happy and healthy. At the end of our trial we had no doubt in our mind that we would continue coverage.
4

out of 5

POSTED: | BY: Charlotte

Great service, fast payment, but vet note required

Claims were both processed in 2 days and check received within a week.Only issue is that one drug was not covered. After calling, a vet note was required to cover that drug. The problem is that since the claim is closed now it's going through an appeal etc... would have preferred to have been contacted to get the fax from the vet before the claim was closed.
5

out of 5

POSTED: | BY: Cindy

Trupanion

Excellent service
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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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