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: Loriann

Sense of comfort

Our dog goumba seems sick and thought possibly he ingested something. Called the vet and the first thing they said was not all insurance companies cover ingested foreign objects. Called trupanion and it was absolutely covered. Thank god my vet was awesome also as he played a little waiting game to try and pass it without opting for surgery and all end perfectly. Submitted a bill to trupanion and within one week I had a check mailed to me. Pretty great turn around time especially right before the Xmas holidays.
5

out of 5

POSTED: | BY: Brian Kenny

Wonderful, Fast Service

One of my dogs tore his ACL, and trupanion spoke to the vet and agreed to pay them direct to save me paying $3000+ out of pocket. I just paid the 10% co-pay. The customer service was top class and I would have no hesitation recommending them to other pet owners.
5

out of 5

POSTED: | BY: Mary Ellen

Great Experience

Hi, A lot of people I know think I'm crazy for paying for insurance for my pet. I love telling them the story (not how my dog was hurt)of how smoothly things went and how refreshing it was to not have to fight for something that you know you should get. I can't thank you enough. Mary Ellen Kellner
5

out of 5

POSTED: | BY: Tabitha

Fast and efficient

The process is very easy. The office sends it in and within a few days you are updated with the status of your claim. Everything is explained in the email and the check is in the mail super fast !
5

out of 5

POSTED: | BY: Christine

Calm in a Storm

We have been so happy with Trupanion. They have provided amazing service before- but recently went above and beyond in customer service. Our mini dachund went into severe anaphylactic shock after eating a bee and we almost lost her. Trupanion reps were on the phone with me once we reached the emergency vet and stabilized her- and had me pre-authorized for her extended hospital stay within a half hour. They called us back- at the emergency vet- and told the vet- we were preauthorized. Not having to wait on hold or in a phone tree under those circumstances was crucial. We received our claim information immediately and it was paid within a week of my submission of receipts.I would recommend you buy Trupanion as soon as you bring home a puppy or kitten! Fast, kind, compassionate.

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 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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