Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,139

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: Terri

Fast service

My 7 month golden retriver got stung by a bee and his mouth swelled so much his face was not recognizable. I took him to the vet late Wednesday afternoon, who gave him a benadrly shot and a steriod shot. $196.00. I took in the claim form with me to the DR. they filled it out, very simple form, and I faxed it in that evening, and had my check, less the Dr. examination fee, by Monday morning. They are very quick and easy to use.
5

out of 5

POSTED: | BY: Monica

Very Helpful

I'm very happy with our Trupanion experience. They answer questions promptly and really care about our animals. I can tell they are animal lovers. I've only had to submit a small claim, but I still know they are there for me and Chewie.
5

out of 5

POSTED: | BY: Randi

Best Pet Insurance Out There!

I've sent trupanion numerous claims for my puppy's ongoing urinary tract infection. Every claim was quickly processed. I received a check in less than 2 weeks. Their rates are very reasonable. They will reimburse you 90% of your ACTUAL bill (excluding your vet's fee). Most other insurances reimburse you 80-90% of what THEY think the cost should be in your area. Trupanion is great. I highly recommend them.
4

out of 5

POSTED: | BY: Shari

denied my claim, but still so happy w/service!

I attempted to submit a claim for a dermatologic issue my dog had. However, it was declined w/a polite letter saying that "routine care is not covered" under trupanion. I was a little disappointed b/c I felt this was NOT routine care, although I also acknowledged it was certainly NOT a medical emergency. All staff @ trupanion have been nothing but courteous and caring, however, and this goes a long way w/me, even when you are denying my claims. The staff I have spoken with always treat me as if I am a valued customer. That is appreciated more than you know.
5

out of 5

POSTED: | BY: Elise

Lifesaving

The ability to put $15,000 worth of vet care into my 3 year old Cattle Dog Whisper to save her life was amazing. I didn't have to think about whether I could afford the surgeries she needed. She has yukky elbows but for the first time in years she has a great quality of life! Thank you!
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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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