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: Marianne

Trupanion saved our dog's life!

We rescued a 6 year old GSD in late 2010 and enrolled him in Trupanion shortly thereafter. A few months ago, we learned that he had a heartworm infection, and that his treatment would cost over $2000, an amount which would have been difficult for our family to afford. We went through the pre-approval process with Trupanion, and they approved our pre-approval request within 48 hours of receiving it. After the heartworm treatment, Trupanion reimbursed us for its cost about 3-4 days after we submitted the required paperwork. Thanks to Trupanion, we hope to enjoy many more healthy years with our beloved pet. Wish insurance companies for humans worked as fairly and efficiently as Trupanion!
1

out of 5

POSTED: | BY: Phil

Sudden Increase of 267% Premium

Exactly one year of having Trupanion was noticed that there would be a 267% increase in premium rate, which could be reduced by taking increased deductible. During the year they did pay claims timely as promised and were responsive. HOWEVER, personally feel victim of a bait-and-switch leaving me scrambling for another insurance carrier. Premium went from about $40/month to $109/month for similar coverage with an added California Amendatory Endorsement, which ironically changes that originally noted when policy was in conflict with Calif laws, the provisions are amended to conform to such statues -- amended to state that if the provisions of the contract conflict with Calif laws the policy is canceled (at least that is how it reads). Rating based on their unbelievable actuarial stats from year to year costs.
5

out of 5

POSTED: | BY: Gail

Amazing Customer Service!

After losing my dear sweet Chenu our claims for her most recent Vet visits had been denied by the Pet Coverage. After calling Trupanion Customer Service initially the rep gave us the information that a re-consideration was absolutely possible. That alone was good news! They told us what type of records to get, where to send them and that we would be advised. I worked directly with Trupanion to have the xrays, scans and records sent to a specific Rep for review. Once they received the records the notified me right away. After an initial review of the records the rep determined a more detailed review should be done by one of their Vet's to truly provide us with the best possible use of our benefits. Immediately following the Vet review we were notified and provided a report of Trupanion's expert findings which resulted in reversal of the claim and payment being issued. Trupanion reps were kind, considerate, helpful and more than anything so understanding of how much Chenu meant to us, they were sympathetic and caring. Amazing Customer Service all around!!
5

out of 5

POSTED: | BY: cindi

yorkie

we had our yorkie in the hostpital and it saved us alot of money they paid 90 percent of the bill
5

out of 5

POSTED: | BY: Wendy Kane

Anad Sacculectomy

Jerika had an anal sacculectomy performed at a specialty clinic in Edmonton. Trupanion covered the claim within 3 days of sending it in. I have always had my claims covered in a timely manner and have never had a problem with this company
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