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: Rosie

1st Claim!

My dog Loki got stung by an insect and needed 3 shots to settle it down. (It was just above his eye so he couldn't see at all.) I submitted my form 2 days later. Within 4-5 days, my claim was processed and accepted! So far, I am pleased with Trupanion. As a university student, I am really counting on this insurance to help me out with the unexpected vet visits! Thanks Trupanion!
5

out of 5

POSTED: | BY: Tom

Prompt, fair, outstanding service

We have not had the greatest luck with our one year old Goldendoodle when it comes to her health. We had frequent vet visits for stomach issues, vomiting and kennel cough. We spent more than $3000 on vet bills. Thank goodness we signed up with Trucompanion. The insurance company was simply outstanding and after the initial claim, paid quickly and communicated well via email. They respond rapidly to inquiries. Please note though, that the policy does not cover the actual vet consultation costs nor preventive procedures such as immunizations or spading. This keeps the costs down. Any your policy's co-payment will never increase (currently 10%).
5

out of 5

POSTED: | BY: Sheena

Trupanion is great!

My cat had to have oral surgery done for a condition called feline resorptive lesion and trupanion covered 90% of the fee!! They are awesome and are quick to process claims, I highly recommend Trupanion for any pet owner.
1

out of 5

POSTED: | BY: Marcelo

Dont Get Trupanion Insurance

" Definetelly Don't get this insurance !!! Trupanion, They Promisse everthing and then they found whatever details possible to denied your claim. They ask me to go to toby vet and get the last 2 years record and send to them by mail to process the claim, and now i understand what are the intentions, find something to excuse denied ...the claim.I put my lawyer to work with them, thanks god i dont need this money to eat!!! See More
4

out of 5

POSTED: | BY: Mike

Claims people very helpful, but still an Ins. Co

I don't think you can beat trupanions turn around time on claims. The really do pay you back really fast. When there is any problem with a claim they are eager to sort the problems out. To date I have only had one issue with them. My pet had diahrrhea once when he was a pup before I had insurance. My dog is now 7 months old. Recently he has been diagnosed with elbow dysplasia. The Vet prescribed him Rimadyl which has a know side effect of causing diahrrhea and potential death. Trupanion deemed this a pre-existing condition even though my vet specifically wrote them a letter stating his diarrhea was caused from the rimadyl and he had no diahrrea before his treatment. So while they are good at paying expect them to act like any other insurance company and look for ways not to pay. They also wont pay for things such as adequan injections it's deemed a supplement and not covered. My best review will be comming soon. My dog has gone to see a specialist for his elbow dysplasia and the estimated bill is $2.7k-3.3k.
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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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