Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,882

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: Laurie vollmoeller

Claims handling with Compasion

Best money I ever spent on any kind of insurance. Health, home, auto, life or disability for humans. This company treats your pet as a valued client and better than some insurers treat human clients. Claims paid promptly and fairly always. President Obama should have worked with Trupanion in designing a health insurance program for humans. I am sure if that had been done there would be a lot more happy active stock and politicians. These people have it right and down to a science.
5

out of 5

POSTED: | BY: James Martin

Fan Mail for an Insurance Company?

I can't believe I would ever be raving about an insurance company. When my beloved 24-year-old cat (yes, 24!) Sydney was diagnosed with a malignant breast tumor, I was devastated. There were numerous diagnostic tests and a rush into surgery. The bills mounted up. Trupanion was right there by my side through the whole process. They made filing a claim unbelievably easy and, at this incredibly difficult time, they thankfully did almost all the work themselves. E-mail exchanges were easy and encouraging and payment was immediate. My only gripe with this company is that I cannot rate them higher than a 10. (BTW, Sydney had a great surgery, tumor encapsulated with no spread, back at home, happy as ever.)
5

out of 5

POSTED: | BY: Florence E

The Real Deal

Billie is doing quite well...fortunately, it was just a sprain. We submitted our claim form and was contacted, a few days later, by Trupanion that they had received the form and were reviewing it. Then, a few days went by, and we were once again contacted by Trupanion that they were ready to issue a check for the correct amount, after our deductible. It's wonderful knowing that a real company is there to honor it's commitment to it clients.
5

out of 5

POSTED: | BY: Eden Belle

Exactly what was needed

I got on with Trupanion 3 months before my dog became chronically ill. He passed 3 months after that, but initially we had no idea how long he would be with us. I am so glad that this sad valley could be a little less deep. Trupanion pet insurance was a large hand of help. Instead of worrying about how I would pay for everything and letting it eat away at what little time I had left with my beloved pet, I could just simply spend uncomplicated time with my precious sweet baby, Cloud. The only blip was early on, it took a little while to get "medical records" accepted before the first reimbursement came through:almost two weeks. But ever since, no issues. I've been getting a 7-9 day turn around on reimbursement from submission of the claim to the check in my hand, which is perfectly easy to float on a credit card with no interest charges. I've never had any other pet insurance, but I'm very please with them and will remain with them for my remaining dog. And any future pets I may have.
2

out of 5

POSTED: | BY: Constance Frownfelter

disappointed

I took my dog to the vet for pain and sick, it was found that he had crystals in his bladder. Trupanion decided to not pay part of the claim because they thought my dog had pancreatitis which he did not we had them on food to make sure he didn't get a reoccurrence of it but they picked that out just to be able to discount part of the claim. I have my debt writing them another letter claiming the dog has not had pancreatitis since January 2013. We were just being extra careful with the food to make sure we didn't cause it to come back. My bed put my dog on a completely other food because of the crystals in his bladder. I had a lot of extra work for me with calling the insurance company and calling my vet and bothering my vet to try and get this straightened out very disappointing
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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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