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.
4

out of 5

POSTED: | BY: Pamela Scire

Much Improved

They have definitely made many improvements!The first time I filed a claim a few years ago, it was not an easy, pleasant or efficient process. This time it was much easier, they now take responsibility for securing the medical records and the turnaround for payment was fairly quick. My only criticism is that an illness directly related and attributed in research to the primary condition was treated separately, which means an additional deductible.
5

out of 5

POSTED: | BY: Stefanie Milam

Sirius and his knees

My 1 year old lab "blew out" his knee. After a few xrays and consultations, it was determined that he needed medial patella luxation. Trupanion received the claim and processed it in a timely manner. Not 6 months later, his other knee needed surgery. Again, the claim was processed in a timely manner. I am very satisfied with their service and coverage.
5

out of 5

POSTED: | BY: R. McDaniel

Highest Recommendation!

Over the past two years, our dog had to have hind leg surgery twice. After both, we completed the simple claims forms, had excellent service and communications from the company, and received our insurance check quickly and accurately. I am very glad that we had this policy, and it help us with some significant veterinarian expenses. I would highly recommend it to others without hesitation!
1

out of 5

POSTED: | BY: Kathy Prosser

TERRIBLE BREACH OF TRUST

I have nothing but problems with Trupanion. They have denied every claim I have submitted. My vet finally had to challenge them on what right they had to say the dogs illness did not qualify? They did not renew me after 30 days, even though I had done everything I was told to do, and when I called they said, sorry, and I had to start my wait time over. I am cancelling this insurance and going to another, don't waste your money!!
5

out of 5

POSTED: | BY: Ethan Brown,

Wish Human Insurance this Good!

Sadly, we had to put our 4 year old Golden Retriever, Sasha, to sleep recently after an 8 month battle with Lymphoma. It was a very difficult process but made much easier by the wonderful people at Trupanion as well as the ease of filing her insurance bill claims. Apparently this process will be getting even easier soon. I have been a human doctor for 20 years and deal with insurance issues almost daily. If our healthcare system adopted the Trupanion method, our country would have much better and affordable healthcare as well as less complicated. After Sasha died, I spoke with Cynthia to cancel her policy. She was very sweet and empathetic and even sent me a letter of condolence. The personal treatment, the ease of signing up, paying the premium, and picking your policy as well as the ease of paying/reimbursement for care make this insurance company quite incredible. I strongly recommend them for your pet and maybe one day for humans as well. Thanks Trupanion for making our loss of Sasha a little bit easier. Dr. Brown, M.D.
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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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