Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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: Judy

took a while but great customer service

I filed 2 claims for my dog's gastroenteritis (which required hospitalization). It took time to get his records from the various vets that have treated him over the years. This was the first claim for this dog, so there were 4 veterinary clinics/hospitals over a period of 9 years. The first time the claim was processed, the wrong dollar figure was used---the invoice was incredibly confusing to read. I called and the customer service person was great, had the error fixed right away. I've been pleased with the customer service every time I have called or emailed with a question.
5

out of 5

POSTED: | BY: Robin Adams

Compassionate, caring service!!

What a comfort to know there is always someone the other end of the line when we needed them! Trupanion came through with a prompt and accurate payout. I'm so grateful that we chose Trupanion Pet Insurance for our Little Man!!
5

out of 5

POSTED: | BY: Adrienne

Excellent pet insurance!

I was skeptical about pet insurance, but every experience with Trupanion has been positive. Everything is very straightforward, they send emails about claim status and explain the processing, which is very fast.
4

out of 5

POSTED: | BY: Scott Buehler

Excellent insurer.. better than VPI

Excellent insurer. fast response, better coverage than VPI.. One thing however.. WHY doesn't anybody cover WELL pet care (yearly shots, etc)???? THIS we thing would be common sense... if nothing more, to save YOUR company money from preventing well animals from becoming sick!
5

out of 5

POSTED: | BY: Kelly

very impressed and relieved!

Our year old chihuahua required surgery for luxating patellas on both back legs. I was very nervous given the bad press about pet insurance and was worried we would have hassles with our insurance claim for Lucy. The first claim was held up due to a computer glitch but the second claim (one knee required a second operation on Dec. 23)went through without a hitch- the cheque arrived at my house Dec. 29!) The Trupanian reps I spoke with by phone were wonderful and seemed to have a genuine interest in making sure everyting went smoothly. I was pleased with the reps and only dealt with one rep who I found to be adequate, but not very friendly. The second operation took place 2 days before Christmas at a specialized vet hospital. I knew it was going to be $$$ (and it was!) but Trupanion came through again, processing the claim in less than a week! In fact the tech that we dealt with at the clinic uses Trupanian for her pets so I thought that was a good endorsement. Overall, I was pleasantly surprised at how smoothly the claim was processed and the kind and patient reps (except the one...)that I spoke with on the phone. (And our beautiful puppy is home with us, recovering and doing well!)
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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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