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: Melissa

Unbelievably caring

We got a free 30-day policy with Trupanion from our vet's office when we bought a package of puppy shots. The day after our free policy expired, our puppy broke his femur and needed surgery. I called Trupanion and explained the situation, and they reactivated my policy (and backdated it) so that the surgery would be covered. The representative that I spoke to on the phone was so caring and sweet while I was sitting there bawling my eyes out. I can't even imagine a human insurance company being half so wonderful. We will always carry a pet policy with Trupanion after the amazing way that we were treated in our time of need.
5

out of 5

POSTED: | BY: Lisa

AMAZING!!!!

My cat had unexpected surgery yesterday. My vet ( Dr. Sidhu @ Norgate Pet Hospital ) was kind enough to fax my claim form to Trupanion last night and I just received an email that my claim has been processed and the cheque will be sent to me tomorrow. OMG talk about speedy service!! Thanks Trupanion.
5

out of 5

POSTED: | BY: Marina

Amazing Service

I signed up my dog last fall when she was a puppy. I initially chose Trupanion because they were the only insurance company at the time that offered a hip dysplaysia component. I was initially very impressed with the personal and quick service I receieved when phoning to ask questions, and ultimately, when signing up. Just two weeks ago, I had my pup in at the vet for an ear infection. Trupanion was great - I had my reimbursement check in less than a week. Also, I logged onto their site prior to submitting my claim and used the "chat" function to ask a question. I was so impressed at the ease and speed of getting my question answered. I am a little disappointed that Trupanion doesn't pay for exam fees, but overall, I'm extremely pleased with the service we have received.
5

out of 5

POSTED: | BY: Lisa

Just Saved Lots of $$

I just enrolled today and have not yet submitted a claim. What I can tell you so far is that my previous coverage with another insurer cost $40 more per month, had a lifetime maximum of about $5,000 (my kitten is barely 2 years old), a $100 deductible, 90% coinsurance and their claims payment practices were atrocious. To get reimbursement for a simple claim, I had to send her medical history in 7 times, my vet sent same history in 4 times and the claim has still not been paid after 4 months of phone calls and emails. Trupanion is not only cheaper but the coverage is better: nil deductible, same coinsurance, but no lifetime maximum. I'd give you a 10 but you don't have microchip tracking.
5

out of 5

POSTED: | BY: Harriet

Peace of Mind when it counts!

About 7 months ago, after reading an article about Pet Insurance, I researched different companies and plans, and took out a pet insurance plan with Trupanion. It proved to be the best decision ever! My seven-year-old rat terrier was suddenly unable to urinate and he started to swell "down there." He was in a lot of pain! I rushed him to the ER and he was admitted immediately. Despite diagnostic tests and treatments, no cause could be identified, and he rapidly got worse. He was transferred to another facility within 24 hours...still no answers.. as he continued to deteriorate. The bills were racking up quickly, but I knew that I could make decisions for his care based on what was best for him, not as a function of finances. I was close to putting him down after a couple of days, when the vets gave little hope, but we decided to give it one more day to see if the antibiotics would kick in...and they did!! And then slowly, day by day, he started to recover! After a full week in the hospital -- and thousands of dollars later -- my pup came home. During his convalescence I had time to sift through the mounds of different bills I'd accumulated and start submitting claims to Trupanion. The customer support on the phone was very helpful, and the claims process was simple. Once claims were submitted, they were reviewed and approved within a days of receipt. I was emailed when the claim was received, if there were any questions, and notified when the claim was pai
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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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