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: Carol

I highly recommend Trupanion

Trupanion processes claims extremely quickly. I have been very happy with Trupanion and would recommend it to anyone considering pet insurance. I only wish they would consider covering medicine for pica (when pets eat non-food items, like rubber gloves and electrical cords) because the medications which curtail the behavior are relatively inexpensive compared to the cost of surgery. As a result of the pica, my cat has had two endoscopies and one abdominal surgery. Medications for "behavioral problems" aren't covered, but should be for pica when it can cost thousands of dollars for medical procedures and prevent injury to a pet.
5

out of 5

POSTED: | BY: jim

1st claim trupanion

I am delighted the way trupanion handled my claim it took about a week for confimation e mail they called a few days later I got the check over the weekend 90% coverage on Cupidos diagnostic I am so happy to have good insurance I lost my last boy to crf and hepatitis
5

out of 5

POSTED: | BY: Diane

Would Recommend

Got Trupanion's insurance this past Feb. Filed our 1st claim after our dog had an accident playing in our backyard in July. 20 minutes after I faxed the claim form/invoice from the vet hospital I received an e-mail from Trupanion saying they had received info and would begin to process. 2 hours later I got a phone call from the claims office saying they had approved claim and check would go out the next day. I received check 5 days later. All in all, a great experience and everyone was very pleasant.
5

out of 5

POSTED: | BY: Alberto

It works!!!

They always pay!!! Most pet owners get insurance after their pets have been sick or injured believing that next time they will be covered. NOOOTTTTT. My dog was hit by a car and I spent $2K on vet bills. I got insurance and a few months later his hip was showing problems. Cirgury and therapy were over $3K and VPI would not cover because it was "pre-existing". My sister's puppy swalloed a rock and it cost almost $2K to remove it. She got a check on the mail in less than a week for 90% of the cost. Lesson learned. I'm getting Trupanion for my next puppy.
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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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