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.
5

out of 5

POSTED: | BY: Linda Brayton

A heartfelt testimonial for Trupanion

This is truly an exceptional company. I seldom write reviews, but I do go out of my way to recommend Trupanion to other pet owners. I have had two pets insured with them for a few years now, and they have had some complicated problems. Trupanion has always been fair, and they do what they say they will do. The policy terms are straight-forward and easy to understand. When I have had questions or concerns, the representatives have consistently been kind, understanding and helpful. I believe this is a company that really wants to provide a worthwhile service.
5

out of 5

POSTED: | BY: John ripp

Honest about promised sevice

Very prompt processing of claims and easy to submit claims by having vet fax claim form.
5

out of 5

POSTED: | BY: Maritza

Trupanion is the best

My boy was diagnosed with nose cancer if it wasn't for Trupanion I wouldn't have been able to save him. Trupanion customer service team are very caring and claims were paid amazingly fast.
5

out of 5

POSTED: | BY: John Bryson

Expeditious service on cocker Biscuit's claim

Trupanion very quickly serviced our claim and met all our expectations. They are everything we hoped for in a pet insurance company when we signed on.
5

out of 5

POSTED: | BY: Debra Ashton

Fast payment, as promised

My cat was recently diagnosed with liver disease and has begun treatment which I expect will continue for a while. Once my deductible was met, Trupanion paid for the medication and bloodwork as stipulated in my contract. It's my understanding that all future treatment/tests related to his liver disease will also be paid (at 90%). The claim was processed very quickly and payment received in about a week - very fast. The only reason I rated it a 9 instead of a 10 is because when my cat was first diagnosed, they didn't apply the initial bloodwork cost towards my deductible. Their reason was that the bloodwork done was routine. While it was routine, it uncovered the liver disease, and I thought it should be covered because it diagnosed an illness. Anyway, since that time, the two claims related to liver disease that I filed were paid on a timely basis and in the amounts I expected.
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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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