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: Antonia

slow and will not pay out

I have been with them a year. Mine is set up with no deductible so it should be a flat 90% coverage. I have tried to make 1 claim for about 200 and a couple small claims. After 6 months I am still waiting for the small amount they will cover from the larger claim and have heard nothing on the smaller claims. Now I have a 15% increase in my premiums. They do not respond to emails, even ones directed to individuals rather than the general query email.
4

out of 5

POSTED: | BY: Millie Hartviksen

Very Good!

Pleased to have the money available for our vet emergency but still a shock to have to pay for the vet and the GST. This left us out of pocket a significant amount. However, it made it bearable and doable to help our kitty. Wish there was an automatic 'pay directly' option as opposed to having to pay up front. The high costs make it prohibitive at times and makes it stressful to have to borrow from others.
4

out of 5

POSTED: | BY: Kathy G

Very satisfied

I said that when I got a new puppy I would get insurance. Working in the veterinary field I know that with all the technology and diagnostics available to pet owners it would be a wise decision. I have not been disappointed with Trupanion's customer service, their payment and claim processing is prompt and timely. I have them pay my veterinarian directly and there has been no delay there either. Two thumbs up! The one downside is the fluctuation in premiums, after about three years of coverage my premiums are about 15% higher than at inception.
4

out of 5

POSTED: | BY: Adila Stoba

Helped with cost coverage.

This was the first claim I've made through Trupanion and it did help with the cost of coverage considering the amount of testing, hospitalization, and care our cat needed. The costs can really add up as symptoms were sudden and non-specific to her condition.My only complaint is that one of their representatives left a message on our voicemail and her accent was so strong I had difficulty understanding her message. I called back and left a message for her to call me to clarify her message and she never did.
5

out of 5

POSTED: | BY: Rachelle Kaucher

Easy Claims Process

I have been satisfied with our claims process, it's about as easy as my flexible spending account. There was a little bit of a learning curve with us and our vet office missing information early on, but the longest claim length of time was under two weeks and most of that was our vet not supplying the info needed (missed a section on the claim form). Just like any other insurance you hope to never need to use it, but want the peace of mind to know it's there when you need it.
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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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