Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,879

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: John Schiavo

You guys are great you always seem to actually care about the issue at hand and my pet I'm a very happy customer thank you very much for all your help

You guys are great you always seem to actually care about the issue at hand and my pet I'm a very happy customer thank you very much for all your help
5

out of 5

POSTED: | BY: Teresa Smith

Trupanion Rocks!

you guys are the best!!! Claims are so easy (usually right through the vet's office). Best decision I made was to get Trupanion when he was a puppy.
2

out of 5

POSTED: | BY: Lora McPhail

Claims denied and now having to dispute.

I am in the process of appealing the claims as they were denied citing a pre-existing condition. Our cat had an ear infection when we rescued her (December 2018), but that had resolved within a month. The claims were submitted in October/November 2019 for a lesion she kept scratching on her head, in front of her left ear. This issue was not caused by an ear infection that had resolved 9 months earlier. Now, the frustration is trying to dispute this and provide documentation. If not successful, I will cancel the policy.
3

out of 5

POSTED: | BY: Kaitlyn Waid

Although the customer service was fantastic and Brian was delightful the first claim that I submitted to Trupanion was denied.

Although the customer service was fantastic, and Brian was delightful, the first claim that I submitted to Trupanion was denied. My dog tore his paw, but it was a "preexisting condition." I'm not going to pay Trupanion $60/month to be denied coverage while my dog is recovering from the lifetime of abuse I saved him from.
3

out of 5

POSTED: | BY: Mark Davis

I've had to make multiple inquiries with Trupanion re: a recent claim for my dog Percy.

I've had to make multiple inquiries with Trupanion re: a recent claim for my dog, Percy. It has become apparent that the responsibility for follow-up is the onus of the policyholder. Taking weeks to review the medical records of an eighteen month old puppy is frustrating at best. Like many insurance providers, you're very quick to collect monthly premiums but very slow in processing reimbursement.
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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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