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.
1

out of 5

POSTED: | BY: Josh

Stubborn claims department

After a year as a Trupanion customer I have decided to drop the service. The claims department is extremely stubborn and you have to full out forms numerous times to get through the red tape. Honestly the time I spend going to and from the vet for signatures, filling out paperwork, and on the phone is not worth the money.
4

out of 5

POSTED: | BY: GSD

Our experience

It took trupanion 10 days to process our claim. This does not include my time spent on preparing the claim and getting doctors signature as well as postal time mailing the claim to trupanion and the reimbursement check mailed to us.
5

out of 5

POSTED: | BY: Barbara

Pet Insurance ..soownderful!!

Charlie was so sick with GI vomiting, diaerhea and abdominal tenderness and resulted in exploratory surgery! Dr Prince saved her life by finding a section of bowel that had inverted into itself and he was able to fix it. She had post op intravenous and is on a very special diet for the next couple of months. The insurance company notified me when they received the claim (which was substantial), informed me by email when it had been processed and I had the cheque within 2 weeks of notification...AMAZING and the forms are so easy to complete. Thanks to the staff at hte clinic, they filled in everything that needed to be done and faxed it to the insurance company....sure helped relieve a lot of the stress of Charlie's illness and the bank account!!!! I wouldn't be without the insurance and this is the best company I have ever had to deal with!
5

out of 5

POSTED: | BY: Deanna

Best Pet Insurance

My cat spent six nights at an emergency clinic and had surgery. The bills kept adding up. Trupanion helped my save my pet. Without the insurance, I would not have been able to afford my cat's treatment.
5

out of 5

POSTED: | BY: Marneilli

No Red Tape for Removing Bibby's Polyp

My husband and I are completely satisfied with Trupanion. Recently we noticed Bibby had been throwing up for a couple of days - we didn't think much of it because when Bibby doesn't eat at the time we feed him he'll throw up, so we thought it was 'normal' for him. But coming home from work one day we found Bibby glued to his water bowl and drinking excessively. His stomach was swollen and he was nervous to our touch. After blood tests and xrays our vet revealed Bibby has what's called a polyp (a blockage in the stomach lining) which is common in male Shih Tzu's. Bibby had to go through surgery to remove it. Our bill totaled over $3K but thankfully purchasing Trupanion pet insurance for our baby boy with ZERO deductable saved us over $2800.00 - we only paid $300.00. I highly recommend Trupanion for your four-legged loved ones - not only did they save us $$$ but there was absolutely no red tape to cut through.
Please leave a review

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  
Provider website

Get a quote today

Leave a review