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: 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!
5

out of 5

POSTED: | BY: Alexis

first pet and scared

I have a standard bull terrier named Capone. One morning I went to feed him and he was not eating. Didn't think much of it. I just thought he was not hungry until two hours later he threw up. It was some fluids that came up and some white stuff. I didn't want to be one of those people who over reacts at everything and take him to the vet every come something comes up. I deciced to wait til the next morning to see if he gets better. And he did not. I took him in and the vet gave me some gastric meds for Capone cause the vet was not sure what was wrong until I gave the ok for x-rays. Money was tight at the time and could not do something of the things that the vet wanted to do. Gave the meds to Capone. A little improvement but not much. He would act the same but was still not eating and was still throwing up. I decicded to take him to another vet for a second opinion and he recommended that Itake him in to emergency. From emerg they did all these tests and found that he had a blockage in his little intestine and had to perform surgery. Aside from that they also had to take out a small 2cm section of his intestine. The bill alone for all the tests and surgery was easily over $4,000. If I hadn't sign up with Trupanion I would be in the hole 4g's. If the hospital billed Trupanion first instead of billing me I would have easily gave a 10 out of 10. Paper work and I don't get along lol. The whole pay first then submit your claim takes so long :) If the system were like a benefit
3

out of 5

POSTED: | BY: Roger

not happy

I have had a less than good experience, although I was able to provide proof of a non pre existing condition claim, I later found that the 100.00 deductable, was to be charged on a condition by condition basis, not a one time deductable. This only serves to reinforce my dis trust of insurance companies. n addition the actual office call is never covered only some services. If their is a detail you miss, you are stuck. These claims by the way were only a few hundred dollars. So of my enrollment and monthly payments for six months, I received far less money than I ever paid, in It would have been better to bank it each month
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