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.
5

out of 5

POSTED: | BY: Kim

Came in handy!

Our 2 year old Min Pin either got bit by something or had an allergic reaction to something. He also had hives all over. We don't quite know what it was. His face was so swollen we thought his throat may close up. My husband rushed him to our vet. They were there waiting for them. They gave him (the dog :)a shot of benadryl and some other meds for it. Trupanion is paying $254.51 of the invoice submitted. Condition 1. Swelling $282.79 Eligible $282.79 Claim Payment at 90% Coverage $254.51 Other: Ineligible Items $75.00 Please refer to the following policy exclusion(s): 9.D.i We do not cover the costs, fees, or expenses associated with: Examinations; $75.00 So for over $300 dollars we received $254.51 back. Got the check in a couple days! Now, let's pray they don't raise my rate...again for the third time! I'll keep you posted. Great service though and I may just be happy with them.
5

out of 5

POSTED: | BY: Elizabeth Whitney

The claims process was extremely easy!

I had heard that Trupanion was one of the best pet insurance companies and, after doing a bit a research, we decided to get it for our puppy. The claims process was extremely easy from our end. I submitted the bills to Trupanion. They then contacted the Veterinary Hospital for the medical records. We received reimbursement of our expenses approximately 2 weeks after the claim was submitted. Thank you!
5

out of 5

POSTED: | BY: Bernadette D

More than I expected!

This was my third experience filing a claim and each time my experience was a favorable one. Each claim covered what I considered to be a reasonable amount of the total expenses. Thank you for making what was a stressful time easier to deal with.
5

out of 5

POSTED: | BY: Barbara Kreiss

Wonderful

Had to take my dog in to emergency. The estimate was high of $2300. Trupanion pre-approved the claim so I only had to pay my deductible and not have to go through reimbursement process. Sure lessened my stress!
1

out of 5

POSTED: | BY: Veronica fedorko

Terrible

Please do yourself a favor and don't waste your money. No claims were ever paid back for our puppy. It cost 47$ and ending the terms have taken us 2 weeks. Still no reply and a dispute to the bank on hold for 30 min. Very unprofessional !!! Stay away unless you can afford wasting money!!
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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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