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: Amanda Rohde

So happy with Trupanion

After learning how happy many of my friends were with Trupanion I chose to sign up my 8 year old dog, Mylo. I signed her up as a precaution as we were entering the silver beard years. A year after signing up we received news we never expected to get. January 8, 2014 Mylo was diagnosed with terminal bone cancer. This aggressive disease does not have many great options and we decided the best option for Mylo is to keep her as happy and healthy in our pawspice care. The past few weeks have been some of the most difficult in our time together, but I can only imagine how much more difficult this time would be without Trupanions help. From the beginning Trulanion helped me through the entire claim process, sent regular claim updates and sent my reimbursement check ASAP!! I am so grateful I signed up when I did. Thank you Trupanion!!
3

out of 5

POSTED: | BY: joy

watch out if you buy from a pet store

If you buy from a pet store Trupanion will try every way possible to deny your claim..they are prejudice on these claims. Having a terrible time with our claim
5

out of 5

POSTED: | BY: Debby Wilson

MyThoughts About Trupanion

My decision to purchase pet insurance for my dogs was an easy one. I never wanted to be in a position where money would be the reason I could not do any more for my dogs. I researched many pet insurance companies before choosing Trupanion. They offered the best of what I was looking for....Unlimited coverage for one huge benefit. One of my dogs has congenital hip dysplasia. I put a claim in and initially it took between 2 - 3 weeks. Once they received all the information from all the vets that had seen my dog everything went rather quickly. They accepted the initial claim and every single monthly claim for medication. My dog will be on this medication for life. I am so thankful for Trupanion for covering this very expensive medication. I hope I will not have to use Trupanion for anything else. However, it does bring peace of mind knowing my dogs are covered and money won't stand in the way of their medical treatment.
5

out of 5

POSTED: | BY: Ria Distefan

Great Service

We have hade insurance on our dog Gonzo since a puppy as he is a Doxie so we worried about his back. He is now 6 and never any issues, but then one day, bam, he could hardly walk!! We went to the Guelph Animal Hospital and were told he had a ruptured disk in his neck, needed emergency surgery. The surgery cost was up to $6500, but we knew that we had the insurance in place, so we went ahead. Gonzo is now fine, running around and playing again and the experience with Trupanion was easy, quick and very caring. We had follow up emails to advise of the claim processing and the payments were made very promptly. They followed up to see how Gonzo was and wanted to make sure he was better. I am so thankful that I purchased the insurance when I got him, as I know other people without it would have a tough decision with operation costs this high. I tell everyone I know with pets to purchase your insurance and rave at how fast and easy you make it for us in our tough times. Thanks for all you did for us and Gonzo and thanks for all you do for others and their pet families.
5

out of 5

POSTED: | BY: Sarah

Couldn't ask for more

We have had such a wonderful experience with Trupanion thus far. The monthly fees for our cat have seemed reasonable. And they've more than paid for themselves. Our cat required several expensive procedures to remove almost half of her teeth due to resorption issues. That itself was stressful, as was the fear over whether we'd have a good experience with the insurance. We needn't have worried about that. Trupanion was very fast in responding to our pre-authorization requests (responding within the same day) when we explained the time-sensitive nature of our requests. And after submitting our claim forms, they indeed covered 90% of eligible expenses after the deductible. We received payment within a week or two of claim submission, as well. On top of that, every interaction I had with them over the phone was quite pleasant. In addition to discussing the details of the work our cat needed, they showed concern and always wished us and our cat well. That was a nice touch, on top of the already great service. This has been our only interaction with Trupanion over the 2 years or so we've had coverage, but based on this experience, we'd absolutely recommend them.
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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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