Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,883

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: Christian Agnelli

Worst Company Ever

Trupanion = Tru Scam Artists! $40 on a $490 claim! You should be ashamed of yourself! Then they have some disrespectful person from their center call who wont even let me say a word...just wants to argue with me! Again, I will happily be putting on all websites how you do business as well as have filed a complaint against you with the BBB as you should have a D Rating! I am sure there are better companies out there who don't try to scam you once you finally have a claim.
5

out of 5

POSTED: | BY: Craig Roberts

Impeccable, honest and friendly service

I never thought I would ever write a positive, glowing review of an insurance company. But, Trupanion, much to their credit, is not typical of others in their industry. Now, any insurance firm is in business to make a profit and -- understandably -- wishes to retain as much of their clients' premium paying investment as possible. No argument there. However, some firms employ less than altogether ethical methods of hanging onto their funds. Trupanion is different. From the outset, we were treated in a fair, friendly and caring manner. Communication, established within minutes of claim filing, was frequent, warm and efficient. Claim settlement was very quick and just as contracted. Our experience with Trupanion was so good that I sometimes wonder if the company is actually the home-based enterprise of a philanthropic pet lover rather than a profit hungry business person. I recommend Trupanion highly and hope this endorsement will help them recruit more clients. Trupanion deserves to prosper!
4

out of 5

POSTED: | BY: Elyse Shevick

Extremely satisfied

Very happy with service and turnaround time on payments.
5

out of 5

POSTED: | BY: Gina Aguilar

Great service as usual

Trupanion is so user-friendly and customer service oriented. Whether I deal with them online or over the phone, I have always been given excellent service.
5

out of 5

POSTED: | BY: Debra Bonsignore

Great Company, Great Service, Exceptional Staff

I adopted a rescued racing greyhound who was diagnosed with epilepsy. Taking on the lifelong management of such a chronic condition is a huge challenge. The fact that Dallas had Trupanion Pet Insurance in place when I adopted him has made the entire situation much easier to deal with. Trupanion Pet Insurance coverage has helped me afford to work with my veterinarian and I explore different medications and treatment options. As a result, Dallas has gone from having seizures every 3-6 weeks to going as long as 15 weeks without a seizure. That is an amazing improvement and a benefit for both of us.In addition to the obvious and measurable benefits of the insurance coverage is the immeasurable benefit of the exceptional staff that Trupanion employs. I have had several occasions where I have called the company with questions and every single person I have spoken with (and you speak to a real, live person when you call) is friendly and outgoing, helpful and knowledgeable. The staff members are all animal lovers who obviously enjoy their jobs and are thorough and professional in their handling of your questions. You are treated like a valued customer and their concern for you and your pet is so evident.
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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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