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.
1

out of 5

POSTED: | BY: Melissa Fioravanti

Denied Claim

We have had a very upsetting week. It started when our beloved chocolate lab, Riggs got sick. It ended with a denied claim for more then $2000 in medical expenses from Trupanion. We have had this policy with them for over 3 years. We have done everything right. They had no problem covering him and taking our money every month. The real problem was that they blind-sided us. I know you should never trust an insurance company, but I really believed they were different. If we had any warning at all that they were the same as any other big business, we could have come up with a payment plan at the vet or opened a credit card. We do not have extra money at the end of the month. But instead, we walked in there with all of our pennies in hand...thinking someone out there had our back. "Trupanion will have our back." But they didn't. They didn't even help with the diagnostic part of finding out what was wrong with our dog. Or the medications he needed during that time. Nothing. It makes me sick to think that we have been paying them over $100 a month on top of all the health bills we have. It makes me sad to think that we were taken advantage of by another big business. I have been doing a lot of research on their company and the CEO Darryl Rawlings. It seems he was featured in Fortune magazine and countless other entrepreneurial publications. Congratulations on making a very high end living off of letting down middle class people trying to take care o
5

out of 5

POSTED: | BY: Julie Price

Very impressed with Trupanion's customer service

I've now had to submit 2 claims to Trupanion, each time, they were handled quickly and seamlessly. I would hhighly recommend Trupanion!
4

out of 5

POSTED: | BY: Jill McClure

Very prompt payment of claims

Trupanion has never failed to pay a claim submitted for my dog's care and payment is very prompt - always within 10 days. Their monthly charges for insurance do go up very often, however. My dog's insurance has risen by 33percent in the four years I've had coverage. I'm positive veterinary costs have not risen by the same percentage.
5

out of 5

POSTED: | BY: MARY COOPER

INCREDIBLE AND FAST

TRUPANION FAR EXCEEDED MY EXPECTATIONS. THEY PROCESSED MY CLAIM, KEPT ME POSTED ON THEIR PROGRESS AND MADE PAYMENT QUICKLY. I AM SO GLAD I CHOSE TRUPANION.
5

out of 5

POSTED: | BY: Clara

Great

Minx had a serious kidney issue. Trupanion covered 90%of the cost for her care
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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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