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: Tye

There's "no bull" with Trupanion

We recently adopted a two and a half year old English Bulldog named Emma. Being familiar with the health issues that frequently effect bulldogs we did research on pet insurance and determined that Trupaninon was the way to go. We liked the fact that there was no deductible and they covered 90% of the cost of care excluding the veterianarian exam fee. We've already had to use the insurance and were extremely impressed with the assistance provided to us by Teresa, our claims adjuster.
5

out of 5

POSTED: | BY: David

Saved our dog and our finances

When our dog came down with pancreatits 13 days ago, we expected he would be hospitalized for two days. As his condition worsened and he was slow to respond to treatment, two days turned into nine days. Bills reached $6000.00. Trupanion processed our claims within 36 hours, and averted what would have been a short term financial disaster. Best of all, our pup is home and on the mend.
5

out of 5

POSTED: | BY: Maylily

Very pleased

My cat ingested a toxic plant and was hospitalized for three nights on an IV. (Two nights in an emergency clinic and one night at my regular vet clinic). I faxed a claim to Trupanion in the morning the day after my cat's release from hospital and received an email in the afternoon the same day to let me know my claim had already been processed. 90% of my costs minus the physical exam fee were reimbursed and I received the funds within a week (almost $500). Very fast service.
3

out of 5

POSTED: | BY: Elena

Don't Reimburse for Examination/Consultation Fee

We insured our 9 week puppy for $34/mo. At 6 months our emergency room visit for an infection was $171. Trupanion claims they pay 90% of your costs, but they didn't pay for the Examination fee, ($85) [How weird is that!!] , so we were reimbursed $71. True, there is no deductible, but it is false advertising, in my opinion.
5

out of 5

POSTED: | BY: Mike

Good company easy to work with

I signed up for the Trupanion 2 month free trial offer. About day 28 into the trial offer my dog ingested two AA batteries. I took him to the Vet and recieved a $616 bill. I filled a claim with trupanion and faxed over the entire medical history. Less then one week later I have a check in the mail for 90% of the bill as promised. They are really easy to work with absolutely zero hassle. The only thing I would improve is the ability to submit claims via email. Not everyone has a fax or enjoys going to the post office. I would have given them a 10 had they had email claim submission.
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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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