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: Sherry

Thank goodness for Trupanion

We just by luck decided to get pet insurance. We never had it before. My dog Chapa is just over 2yrs & has had to have a recent operation. There is still some problems we are dealing with. However Trupanion has been great. They were fast to approve, then pay for the initial operation . Chapa is still having problems but with Trupanion they are covering what is needed to get him better.
5

out of 5

POSTED: | BY: CHOCO ZORRO

AWESOME

Choco Boo is doing very well and is all slap happy! The ONLY reason I didn't give a 10 for overall rating is because they don't cover the cost of the D.V.M. . . . Otherwise I would have given a score of 10. Working with Trupanion was easy and went very smoothly. They finalized 2 claims and mailed our checks out within 10 days of receiving.
5

out of 5

POSTED: | BY: Tawnya Lichtenwalter

Awesome!

Several vet visits for initial dx and follow-up, all with different vets. Loved the emails from Trupanion when they received claims from the vets offices. This helped me manage any offices that were unresponsive. Trupanion was very quick to respond when asked questions. The employees have been very pleasant to work with too.
3

out of 5

POSTED: | BY: Allison

Good but sometimes frustrating

Trupanion definitely helped in the cost of care for my dog while he was very sick, however, there constant "additional information required" emails were very annoying when not only did they have all the information, but at times when I talked to reps, they had little idea of what his actual diagnosis was when it had been months into the whole treatment process.
5

out of 5

POSTED: | BY: Nilsa Montaner

Peace of mind is priceless!

My 4 year old Nina required surgery after being mauled by a 60 lb dog. When I called for preapproval I was greeted with a very compassionate support person and within an hour received a call back with great news that Nina's surgery was approved and everything would be covered at 90% less the exam fee and deductible of $250. Unfortunately my Nina did not survive the surgery. Nina was our second family pet. We did not have Trupanion when we owned our first pet. After having experienced such a tragedy with our beloved Nina, we will never own another pet without having Trupanion on our side. The peace of mind that we had by having Trupanion is absolutely priceless. The rates are very reasonable and the staff is amazing. I have no complaints about how our claim was handled.
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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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