Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,883

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: Jane Stephen

excellent service. fast processing.

This was our 1st claim for Ozzie. Trupanion processed our claim quickly and fairly. Glad we signed up with them. Thanks forcthe assistance.
3

out of 5

POSTED: | BY: Rita

Could be better

My cat has been seen since aug of 2014 for anal gland issues. Vet says that they are defective and not emptying on their own. Trupanion does not cover expression which is really terrible saying that it's maintenance. It really isn't. My cat has had infections because of this. They will cover that but not expression to prevent the infection from happening again. Doesn't make sense. I've called twice now and still they won't cover it.
5

out of 5

POSTED: | BY: Tamara

good service

my dog Labrador was diagnosed for pancreatic insufficiency that was cost me over $1700 for all kind examinations and treatments . I was very pleased when I've got such a quick respond from Insurance about a proses my claim, Total it took under 48 hours from time I fax the claim and Insurance sent me money 90% per coverage . thank Trupanion,
5

out of 5

POSTED: | BY: Cherie Werner

That Was Easy

We brought our pet in for a routine vaccine 3/12 and the receptionist encouraged us to sign up for the free 30 trial with Trupanion. She set up the account and we recieved the email later that day. Imagine my surprise when in less than 24 hours we were back at the vets 3/13 as our dog was lethargic and unable to walk. His body temp. had dropped, his heart heart was slow, and he was non responsive. He ended having to have fluids and stay overnight. Everything was happening so quickly and the expenses were rapidly increaseing. Suddendly I remembered the 30 day trail and asked about it never imagineing that it would cover anything but I was delgihtfully wrong as they stepped in to cover most of the expenses. Having pet insurance is well worth it.
5

out of 5

POSTED: | BY: Karen

Bladder Stone Surgery

Our male Morkie had suffered from two bladder infections which are fairly rare in male dogs. They did an xray after the medication didn't clear up the second one and found the bladder stone. Our vet recommended surgery and we went ahead. We submitted the claim going back to the time of the initial bladder infection and it was reviewed and all covered as per our policy. My only reason for not giving a 10 out of 10 is that no examination costs are covered. I understand and don't expect regular examination to be covered but once you have an issue and require follow up care only because of this condition I would have thought that would be covered. However all in all the people we dealt with were friendly and helpful and seemed genuinely concerned for the health of our pet. I would certainly recommend Trupanion to any pet owner. It is worth the peace of mind to know you will be able to deal with the expense of health emergencies for your pet.
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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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