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:

Trupanion quickly responded to my claim and paid out my clinic directly.

Trupanion quickly responded to my claim and paid out my clinic directly. It made a very stressful situation much less stressful. Thank you :)
5

out of 5

POSTED: | BY:

Amazing

Wry easy process. Great customer service!
5

out of 5

POSTED: | BY:

Well worth the investment

Trupanion has provided our family with peace of mind and an incredibly easy claims experience.
5

out of 5

POSTED: | BY: Myriam Barbot

If u love ur DOG

If u love ur DOG, get him TRUPANION!!! Whatever happens, they have ur back. Plus u don't even have to pay first, the vet gets paid directly from them. What I love the most is their empathy when my dog is sick. They truly care and I love them!!!!
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1

out of 5

POSTED: | BY: Ashley Potter

Extremely disappointed …

*** UPDATE*** It gets worse. I was contacted by a Trupanion representative as promised in the response below and I was directed to start a GoFund me page, this was what they offered for “support”. I think this speaks for itself as to the ethics of this company and showcases their lack of support for rescue animals. I am absolutely disgusted with this company. We rescued a little dog from Texas and through no fault of ours or the rescue, he recently tested heart worm positive. He was abandoned and once brought in to the rescue was put on a heart worm preventative medication and we have continued his heart worm preventative since coming in to our care. Heart worm is rampant in the southern US and unfortunately it is not un-common for rescue dogs to contract this disease. We started the treatments to save his life as this is fatal if left untreated. The treatments are very expensive and are very intense and the next few months are going to be difficult for us. Trupanion has denied our claim to assist in paying for these treatments saying they do not pay for treatments for parasites where there is a preventative available. I explained the situation to the company, that he is a rescue and that a preventative was not available to him until he came in to the care of the rescue. The rescue organization did everything right by putting him on the preventative as soon as he was brought in off the streets of Texas. We were not neglectful and he was on this preventative when we opened up our policy. He tested negative on his first test which was done in Texas but had to be retested as per protocol and tested positive on his second test which was once he came in to our care. We did everything right and yet Trupanion refuses to help out with this unfortunate situation. Reggie will recover from this and we will make sure that he gets the best care despite the lack of support from our insurance company. We are extremely disappointed as Trupanion was the company that was recommended to us by the rescue organization that specifically rescues dogs from Texas but they will not support treatments for an illness that is common in rescue dogs from this area. These poor animals need all the help they can get and we feel very strongly that there should have been support from Trupanion. We can only hope that in the future Trupanion will reconsider this and include some type of clause in their policy to support heart worm treatments for rescue dogs.
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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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