Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,879

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: Miss Unhappy

Dishonest and Misleading Pet Insurance Company

Upon initial registration, I was told that my senior pet would quality pending there had been no previous "diagnosis". I have given my dog of 11 years preventative care and he was potentially in need of surgery but would not be able to assess without an MRI. Trupanion denied the claim based on hypothetical possibilties versus any concrete diagnosis. Their conclusions came from a sloppy report given by a neurologist who saw him one time, not having performed any test to back up their hypothetical assessment and the preventative treatment from the original vet (like Glucosamine and joint lubicators). I was provided false and misleading information from the beginning with Trupanion, and they refused to refund the 3 weeks it took for someone to call me back after canceling my insurance with them (you cannot reach the cancellation department). The only valuable part of having Trupanion with an older pet is in cases of cancer. Otherwise they will find something in their chart that contributes to possible diagnosis and denial of treatment. Be very cautious with this pet insurance.
5

out of 5

POSTED: | BY: Lexi

Awesome!

My dog Chance was hit by a car 7 months ago and had to have an surgery then to repair a fracture and luxating tarsal joint. 6 weeks post-op the plate placed to repair the damages became severely infected and needed to be removed. The problem was, the plate could not be removed until the joint was stable on its own or until he was healthy. 7 months later, Chance had his second surgery. Both surgeries were covered by Trupanion and both times they got back to me almost immediately to say I was approved. When I had called with questions I got wonderful customer service. Chance is now doing wonderful!
5

out of 5

POSTED: | BY: Sharon Billings

Speedy processing, great customer service

The claim processing is quick and easy. Great service.
5

out of 5

POSTED: | BY: Victoria Brandt

PUGS

Newly adopted pugs. Pugs are the best but can have some health problems. Anything and everything goes into the mouth of the female that is approx. 8 months old. She roots around constantly. Glad I enrolled in Trupanion. She ended up having a couple of bouts of gastroenteritis with vets bills at about 2K. I now keep her on a leash in the house and outdoor when she is not being crated, plus I have her on a very bland diet. The male was approx. 8 months and I have not had any health problems with him at all. I would recommend Trupanion. They have paid for the first year premiums for both pugs.
5

out of 5

POSTED: | BY: Melissa Sheeley

AWESOME!!!!!

Everyone who has a pet should use Trupanion. They are the most reliable, courteous, quick responding company out there. They really give you peace of mind to be able to care for your pet they way you would any family member. Keep up the great work guys!
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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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