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: Leah Somogyi

The BEST of the best!

I've been a customer since 2010. Never submitted a claim until 2012 and since then have had to submit dozens. The first claims were for our golden retriever, Shelby who we sadly lost quickly to cancer. Being that those days were stressful and dark, Trupanion not only moved quickly and professionally, they did with care and compassion. Since then my other golden retriever has been diagnosed with some manageable conditions but those will require lifelong treatment. We are now regularly submitting claims and the service has remained consistent from Trupanion - extremely prompt, fair and kind hearted. I was skeptical of insurance when I first got my dogs. I thought I could set up a separate bank account and not worry. Thank goodness I changed my mind when a friend's beautiful boy got sick and put policies on my babies. Now I would never go without and it would never be any other company than Trupanion. Since February 2012 so far I have been reimbursed over $9,200. It only takes one incident or illness to wipe out what you may have thought was enough in a special savings account. If you're like me and would bankrupt yourself for your babies, strongly consider pet insurance.
5

out of 5

POSTED: | BY: Cathy Boyd

very pleased with the quick claim

This was my first claim and Trupanion kept me informed via email on my claim from the time it was summited. It was great that they take the claims directly from my vet/s.
5

out of 5

POSTED: | BY: Nicole Jensen

Great!

This company is very effcient and great to work with! They are there to help you with what you need and you can tell they truly care for your pet!
4

out of 5

POSTED: | BY: Sandee Woodham

Claim denied/overturned

Madison my tea cup Maltipoo needed an operation. At first, Trupanion thought it was a Hip issue and I didn't have it covered. After a letter and call from my Vet explaining it was completely different the claims were overturned and was accepted . It was a hassle but at the last minute came out ok.
5

out of 5

POSTED: | BY: Monica McDonald

Trupanion is awesome!

Trupanion has been amazing. Once I faxed my claim they replied with and email within 24 hours confirming they had received an were processing my claim. Then I had follow up emails advising me the stage my claim was in and then a final email letting me know what they were reembursing me for and that the cheques had been mailed. I now have set up direct deposit so that any future claims will be directly deposited into my bank account. They are friendly, caring, efficient, and fast. I was very impressed.
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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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