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: Kyle

Trupanion Won't Pay!

My fiance and I purchased Trupanion insurance for our puppy 3 days after bringing her home to ensure we would be secure for the rest of her life. Not long after bringing her home, our puppy was diagnosed with a liver condition. Trupanion refused to pay for anything related to this condition, claiming it was a "pre-existing condition". Our puppy came with a vet record stating she was healthy, so this was not a pre-existing condition. Trupanion will find any excuse not to pay! Because Trupanion refuses to help us with the medicial bills, we cannot get the ultrasound that our puppy desperately needs. I have heard of Trupanion doing this before, and now I see that it is true. We have cancelled our insurance with them.
5

out of 5

POSTED: | BY: karen croft

excellent

always great to deal with and fast with payment. this claim was accidently considered a new illness and when i called and discussed what ongling vet care he was having, they reviewed the files and payment was made. no headache.
5

out of 5

POSTED: | BY: Isadora Duhaime

Great insurance

Trupanion is great, I never have a problem with them, I receive the checks within days of my claim. My dog was diagnosed with KCS last winter and they have been paying for 90% of all the cost, which is a huge help. I recommend it to anyone
4

out of 5

POSTED: | BY: Joy

Cat Renal Failure

I signed up for this insurance just before my cat's annual review. Blood work was done and it was determined that she had renal failure. Paperwork was submitted to Trupanion, and it took awhile before I received reimbursement. By this I mean like 8 weeks. Once the subsequent paperwork was submitted, I received better turnaround response from Trupanion (approximately 2 weeks). They are very friendly too.
5

out of 5

POSTED: | BY: Carla Omoth

Courteous, Efficient, Prompt

The premiums can stretch a monthly budget for 2 pets with the thousand dollar deductible, but the coverage for my sick puppy has paid for itself and saved us quite a bit. The claims are easy to submit by fax, and the processing is usually complete, including bank deposit, within a week.
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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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