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: Tara VanDerveer

A+

I am very pleased and impressed with the professionalism and service of Trupanion. Unfortunately my 2 Labs have had some serious issues that needed specialty vets. After paying some hefty bills working with Trupanion for reimbursement was painless and prompt. I spoke with several representatives that were very polite and helpful. Thank you!
5

out of 5

POSTED: | BY: Deborah Birckholtz

Puppy's Broken Toe

We've had Trupanion insurance for several years for one of our other dogs, and they were wonderful when he needed surgery, so we added our lab puppy to our policy. Two weeks later, he broke a weight-bearing toe while running in our yard. Trupanion is a great insurer - their representatives are always friendly, polite and knowledgeable. The turn-around between submitting a claim and receiving payment is short. I have been very happy with them. The only suggestion I would have for them is that they should cover the vet examination fee for things that need rechecking, like a broken bone. For some reason, they don't cover that. In all other respects, they are wonderful, and I recommend them without reservation.
5

out of 5

POSTED: | BY: Phyllis

Trupanion....Simply The BEST

I am a first time dog owner.... a rescue, 4 month old mixed breed pup...On my first visit to my vet he recommended pet insurance... I did and he recommended Trupaion.... I have owned my dog for 2 years.... in that time 2 knee surgeries, fox tail in her tonsils, and a few other vet bills.... and Trupaion was right there.... with my plan they covered 90% of the bills.... Recently I received an email from them talking about a Rate Change... and I thought... OK here it comes... they are dropping me or they are going to raise my rates... WRONG... they wanted to let me know that they had done research on the local vet services in my area and after they did their research... they actually lowered my monthly premium based on their findings of vet costs in my area... TRUPANION is the truly on the side of Pets they service and the Owners who love them and care for them.
1

out of 5

POSTED: | BY: DISSATISFIED

THE WORST! Waiting 5 weeks now for payment

I HAVE BEEN WAITING 5 WEEKS SO FAR FOR PAYMENT FOR A SIMPLE PROCEDURE) . THEY WAIT UNTIL YOU HAVE A FIRST CALM BEFORE GETTING YOUR PETS RECORDS. THEY JUST KEEP TALING IN CIRCLES. THEY ARE VERY SWEET WITH CUSTOMER SERVICE AS TEHY GIVE YOU TH RUN-A-ROUND THEY DON'T PAY !!!!! IT iIS SO FRUSTRATING. I LEFT A GREAT PLACE AT MY VETS REQUEST TO TRY TRUPANION...I HAVE INFORMED MY VET HE IS REALLY DISAPPOINTED AS WELL. THEY CLAIM TO PAY 90 PERCENT. WHEN? THEY HAVE A SOB STORY OF HOW THEY ARE GROWING SO FAST THEY ARE DELAYED. I HAVE BEEN WITH THEM FOR MANY MONTHS THEY COULD HAVE GOTTEN MY DOGS RECORDS. ON TEH HOME PAGE THEY CALIM TO PAY 80 PER CENT OF CALIMS IN ONE WEEK THAT IS MISLEADING, WHEN I MENTIONED THAT TO THEM THE CUSTOMER SERVICE PERSON SAID OH WE HAD BETTER REMOVE THAT...DOES ANY ONE KNOW HOW TO REPORT INTERNET FRAUD?I DO NOT BELIEVE THESE OTHER REVIEWS!!!! RUN!!!
4

out of 5

POSTED: | BY: Bob Dawson

Satisfied

I thought the process was pretty painless, and the service was appropriate
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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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