Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,876

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: Kathleen Tower

Very positive experience

First experience in actually submitting claims to Trupanion. Everything went smoothly and payment was prompt. The communication via email was above and beyond. We were kept fully aware of the status of our claims submitted over a number of weeks. Reside in Florida / Summer address CT.Claims were in CT.
4

out of 5

POSTED: | BY: Karen

review

The first month I sent in claim forms they were not processed, and the lady at that time (on the phone) after I called a month later, had asked "oh did you wanted them submitted" really no...i sent them to you for fun, considering you are an insurance company and I sent you receipts, what did you think you where supposed to do with them?!finally i managed to have one really helpful lady, who I am going to email my forms right after this.
5

out of 5

POSTED: | BY: Marie Ktenakis

Wonderful People to help me thru this Process.

Any time I have spoken to Trupanions Customer Service, they have always been Polite & Knowledgable. They have Compassion. They have never rushed you off the phone. They also offered us different solutions to a Problem we had. I would Highly Recommend this Company to my Family & Friends. Thank you for your Caring Staff & Great Service.
5

out of 5

POSTED: | BY: Henry Harris

Excellent

Associates are helpful and convey a true concern for your pet.
5

out of 5

POSTED: | BY: Judy Chan

Trupanion provided coverage all approved diagnosis

Our 8m old doberman puppy experienced heart failure in May 2013. It was completely unexpected. There really were no signs prior. He was diagnosed with mitral dysplasia and atrial myopathy caused by leaky heart valves which he was born with. He was hospitalized for 6 days at a specialty hospital where he underwent around the clock care and medications. Expenses for his hospital stay and on-going doctor visits and medications were in the thousands. We are extremely fortunate we purchased coverage through Trupanion shortly after we got him. Trupanion claims department and customer service was exceptional. Initial claim took about 4 weeks because all medical history needed to be verified. Subsequent claims have been much quickly with turnaround time of 1-2 weeks. Trupanion has provided 90% coverage for all approved diagnosis & services. We highly recommend Trupanion to other pet owners and have already recommended Trupanion to our friends and family.
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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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