Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,882

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: Mary Davies

Senior Cats Taken Care Of

I have peace of mind knowing that my girls are taken care of, especially now as they age. Thank you Trupanion!
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5

out of 5

POSTED: | BY: Linda Hodgson

Highly recommend TruPanion

My 8 year old Schnauzer Penny was extremely ill when we took her to our vet. After the vet did her initial evaluation and advised us of the expected protocol, we mentioned that we had TruPanion (TP) coverage. The vet told us that they would submit any forms and that they understood that TP was very easy to deal with. I was hopeful that this would be the case. At the end of a week on antibiotics and IV fluids and several sessions of bloodwork we received a diagnosis with our Penny now on the mend. We paid our bill and the vet submitted the clam on-line. The following morning I woke to an email & text indicating that our claim had been received and was being reviewed. A day later we received an email advising that our claim had been approved and that the payment was being issued. I needed clarification on something so called the TP help line. The person I spoke with was most helpful and very knowledgeable. A really positive experience at a stressful time.
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2

out of 5

POSTED: | BY: Lise from Canada

I loved trupanion, but it may be going downhill

I loved trupanion. Most vets here direct bill and it has always been a fast process. My premium went up by about $60 recently. My dog also needed face surgery. I put the pre-approval in on November 2nd contacted them about 2 weeks later. I was told they had all of the info they needed and it will be ready shortly. Her surgery was November 22nd. They finally pre-approved it on November 21st. The at the clinic, it took much longer than usual and the receptionist ended up contacting them. I am willing to pay more (I don't think $60 more is reasonable, though) but that much more for slower and worse service is unacceptable. Not a 1 star because of how amazing trupanion has been in the past.
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5

out of 5

VETERINARIAN: Baccalieu Trail Animal Hospital

POSTED: | BY: Sherry Tucker

Reliable Service

Fast, efficient and reliable service every time. No matter if the claim is submitted at the vet clinic or I submit an invoice, it’s always processed in a timely manner. The rates may be somewhat high, but I have NEVER had an issue with claim submission. Read the terms of your policy to know what’s covered-easy peasy!!
1

out of 5

POSTED: | BY: Rabih Husseini

illness not covered , Liers !!!

!!!!!!!!!!!!!!!!!!!!!!!!!My fully vaccinated one year old indoor cat who have 42.25 Cad/month insurance premium with Trupanion vomited and showed sign of illness, I booked urgent appointment for next day with vet. Turpanion refused claim , the cat ended up having worms and according to smart A** Trupanion adjustors this is not illness and could have been prevented ! Wake up guys ! This is 2023 , you cannot go away with stealing people who pay premium for emergencies like this. I will expose this every where and follow with government regulatory authorities so people know what kind of service you guys are .!!!!!!!!!!!!!!!!!!!
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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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