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: Stefanie

Excellent Experience

I faxed my claim on a Tuesday and that evening received an e-mail that my claim was being processed. By Thursday, 90% of my bill was approved to be reimbursed to me.
5

out of 5

POSTED: | BY: Anna M

A life saver!

Tippy got sick suddenly, and we couldn't figure out why. When I took her to the Vet, he ran tests and found that she had pancreatitis. She had to spend 3 days at the Vet and he wasn't sure she would live at first. When she came home it was with a sack full of meds. She is back to her old feisty self, and we are thrilled. The bill would have been the thousands of dollars, a sum that we never could have paid. Trupanion saved her life and our finances. I will never have another pet without this insurance.
5

out of 5

POSTED: | BY: N/A

Tick Disease & Skin Infection

Wonderful company. Fast claim process and they really care about the animals and their health. Have recommended to several people and will continue. Friendly and concerned about the fur babies. :)
2

out of 5

POSTED: | BY: Christine Tobin

claims@trupanion.com doesn't receive email claims

I attempted 3 times to send claims to the claims@trupanion.com and apparently, no one received them. I even sent them to a person whose name I had and she said she never received them either, yet I have 3 confimed sent emails. So I am not sure what happeded. I finally went thru my emails and found a girl in the underwriters dept and I emailed her and asked for her assistance and I finally got around to sending them to her and she took care of everything. so I am not sure whats wrong with you claims@trupanion.com site but my claims went out to somewhere although I sent it to that website 3 times to no avail. this happened on another occasion but that was via fax. I like this company but they need to look into that email address because my emails with my claim forms attached sent to that email went nowhere, not once but 3 times.
5

out of 5

POSTED: | BY: Patricia Slotnick

excellent coverage, excellent service

Our 1 year 5 month old Welsh terrier showed signs of lethargy & poor appetite. After stays at the Emergency & personal vet hospitals, it turns out Radar had swallowed a piece of toy, causing an intestinal obstruction, requiring abdominal surgery to correct. He is now well on his way to recovery. I submitted the invoices to Trupanion & within 24 hrs and less, we had our claims processed. I also called customer service with a few questions & was given prompt & helpful information. The forms are also very simple & easy to fill out. In addition, I had some old invoices for other unrelated vet visits but they were past the 90 day submission requirement so I had not submitted them. Turns out, Trupanion has dropped the 90 day limit for claims & I was able to get those processed as well. We could not be more pleased with the service, coverage & excellent efforts by the Trupanion staff. Thank you!
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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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