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.
1

out of 5

POSTED: | BY: Kathy

Great experience

My Bengal cat hurt his paw & needed blood work, x-rays & medication because of this. After having Trupanion for two years with no incident, I was pleasantly surprised at how fast they responded to the two claims that my veterinarian submitted for me. Within two weeks, claims were reviewed. As promised, 90% of what they said they would cover, they did. I was just informed that my reimbursement checks were in the mail. They were very courteous & professional when I first called to find out what I needed to do for a claim. I highly recommend Trupanion.
5

out of 5

POSTED: | BY: Karen Sylvia

Easy and non stressful.

This was the first time we needed to use the insurance. I printed the online form, filled out my part, gave it to the Veterinarian. That was it. Trupanion kept informed and a check is on its way less than 2 weeks later. I am really pleased with the great service and timely processing. Takes that part of the stress away.
5

out of 5

POSTED: | BY: Abby

Great insurance!!

A few months ago I felt 2 bb sized lumps by one of my cats mammary glands. I took her to the vet and it was recommended we do surgery as they are usually cancer. I had a unilateral mastectomy preformed and had to submit many claims to trupanion for the surgery, and then multiple rechecks. All of my claims were processed extremely fast (the last claim literally taking 5 hours from submitted to processed). I am very pleased with the service provided by trupanion. I have also called multiple times to talk with customer service and everyone is always so friendly and helpful and was concerned about how my cat was doing after surgery. It did turn out to be cancer (not a very aggressive form) but I know trupanion will be there if we have more issues in the future. She is doing great and the cancer was completely removed!
4

out of 5

POSTED: | BY: Joan Moniot

Excellent Customer Service

My dog Riley was recently diagnosed with a cancerous tumor. With one exception, Trupanion examined the claims related to his diagnosis and surgery and we received notice of consent followed very quickly by checks in the mail. I am very pleased with the outcome. Riley was not put in danger by our being forced to wait on their approval.
5

out of 5

POSTED: | BY: Jason

excellent coverage

Trupanion doesn't cover actual vet visits, but after the deductible was applied, covered 90% of my dog's allergy test and treatments. I've had her covered for other ailments, and have never had any problems dealing with them. Money well spent!
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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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