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: Janelle Combellick

Fast!

Trupanion has the fastest response time I have ever experienced with any insurance company I have ever had to file a claim with (house, car, personal health, etc). Their customer service is incredibly friendly and helpful, and their communication is top notch. I always received a response by phone or email in less than 24 hours from initiating a claim.
1

out of 5

POSTED: | BY: Antonia

Prepare to be gouged

They will do everything in their power to not pay. Apparently a 2 year old dog has a history of osteoarthritis. All their proof comes from treatments that occurred AFTER we started the insurance plan. We tried some chiropractic treatments which I paid out of pocket rather than get the rider in order to reduce some stiffness in her shoulder. The only way to challenge a claim is for your vet to write a clarification letter. My vet doesn't feel comfortable writing such a letter as she has endured harassing calls from insurance companies when she has done it, including Trupanion apparently and has her business to consider.I believe it. When I called to get clarification on what would be covered they tried to use fear to keep me from cancelling.
5

out of 5

POSTED: | BY: Nick Chavasse

Great service!

Initially hated paying for pet insurance, but it really has come in handy when we've had to have a few procedures done on our dog. Without Trupanion, we would have been out over $4K. With Trupanion, all I had to pay was the deductible and 10% of the costs which saved us a lot of money!
4

out of 5

POSTED: | BY: Eoin

Quick and Easy

It was very quick and easy. My money came quickly and there wasn't any hidden fees, I was able to know exactly how much would be covered before even submitting the claim.
5

out of 5

POSTED: | BY: Lorraine

Surgery

I was never sure on pet insurance until my dog needed surgery. I am so grateful to Trupanion and will never be without pet insurance now. If it wasn't for pet insurance I would never have been able to afford the surgery. My dog is alive today thanks to Trupanion. They didn't put any limits on the treatment she was allowed and there was no max on how much they covered.
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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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