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: Azu Parra

Speedy Claim process

I just had a great experience with Trupanion. My puppy Coco got really sick and as it happened on a Sunday I had to rush her to the emergency room where they held her for few hours, I was really worried about the cost for this service, well the bill was huge and when I pick her up they suggested she should be seen by her vet the following morning. I took her there where they x ray her, run some blood work, and give her fluids. When I pick her up after medicines, and all the tests she had gone through I paid again a huge bill. Well I faxed my claims a couple of days later, immediately after that I received an email with the confirmation of my claim and few days later another one with the approval of my claim and few more days later I received 2 checks for most of the expenses of my Coco. I am so glad of not having this fear that if Coco gets sick she will not get the appropriate care because of the cost of it. Thank you Trupanion!
5

out of 5

POSTED: | BY: Carla Vila

Excellent !!

We got our poppy (a Belgian Malinois)already sick. He was diagnosed with Gastroenteritis.We got Tupanion right away. My poppy had to stay at the Hospital for almost two weeks. They did x rays, blood tests, Iv.etc, The expenses came up to more than $4,000. and Trupanion covered totally the 90%. They took charge of everything. My vet. submitted the claim and the insurance co. kept me inform of everything. After 2 weeks I received a check in the mail for the full amount. I never had to do anything. It was the easiest thing ever !!! I hope human health insurance were as easy as Trupanion. Super Happy !!!!
1

out of 5

POSTED: | BY: Shelby Lange

Be Wary

I would ask that you be very careful before signing up. Their promise of not increasing premiums annually is bogus. My dogs' premium increased 52%. They do not do what they say they are going to do. My dog was enrolled at 8 weeks as a perfectly healthy pet. She was then spayed at an appropriate age. Shortly after that she began having urinary tract infections, Trupanion has denied EVERY claim as "symptoms" do not match "diagnosis". We have filed 4 claims - each denied for the same reason.
5

out of 5

POSTED: | BY: Loralyn Goldsworthy

Excellent coverage

Trupanion helped save my little Shih Tzu's life. My total bill was over 3,000 and 90% of this was paid within 2 weeks. I didn't have to make life or death decisions based on financial concerns.
5

out of 5

POSTED: | BY: Barbara Currier

Trupanion is the BEST!

I have tried other pet insurance in the past and every claim was a fight to get covered. With Trupanion they are amazing in how quick they approve claims and get your check in the mail. Their customer service is amazing. I highly recommend them to anyone!
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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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