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: Meghann

Amazing Coverage

We have a black lab that loves surgery!?!?!? Well, not really but has needed to foreign body retrievals and 1 TPLO + physio. Our coverage has never been a stress during these stressful situations. We couldn't be happier with Trupanion's commitment to our lovable lab's health and wellness!
5

out of 5

POSTED: | BY: PETE PETERSON

THESE GUYS ARE SUPER!!

I CANNOT SAY ENOUGH ABOUT HOW COOPERATIVE AND HELPFUL TRUPANION HAS BEEN TO US OVER THE PAST 3 MONTHS CONCERNING THE $15,000+ THAT WE HAVE SUBMITTED TO THEM FOR OUR MEDICAL EXPENSES WE HAVE ACCUMULATED TREATING OUR SCHNAUZER. I HAVE NO COMPLAINTS. I USED TO HAVE VPI BUT THEIR COVERAGE AND COSTS MADE US LOOK ELSEWHERE....SURE GLAD WE DID.
5

out of 5

POSTED: | BY: Joanne Carrara

Excellent

I did not know how to file a claim. I called and actually talked to a person! I received accurate information which was given to me in a simple step by step procedure in what was needed in order to process the claim. Secondly, it was explained to me how the claim process is handled. I received an email letting me know that the claim was in process. Our claim was settled within 30 days.
5

out of 5

POSTED: | BY: Tamitha Betti

BEST CHOICE YOUR MONEY CAN BUY!

I did tons of research before purchasing insurance 5 years ago. I have 7 animals insured though Trupanion...6 dogs and 1 cat. I have needed to file 3 claims in the last 5 years. Customer service is impeccable AND caring. Claims are processed incredibly quickly. Follow up is superior. I can't recommend this company enough. I tell everyone I encounter with pets about them. You won't be disappointed :)
1

out of 5

POSTED: | BY: rictor noren

Save your money

I've had Trupanion insurance for 5 years. They've denied ever claim we've made, and even told us that we weren't doing our part to ensure the health of our dog. We finally submitted a dental bill for 1900.00 and were told that we weren't providing adequate preventative dental care at home. We brush our dog's teeth every day and often 2 times a day. Our vet said that given our home care regimen, it was genetic. When I told this to the woman on the phone her response was "I just work here." I said "of course you do, that's why I'm contacting you." We cancelled this week, and I would strongly encourage others considering Trupanion to think otherwise.
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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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