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.
1

out of 5

POSTED: | BY: Mike Hunt

Worst Company Ever

When our dog was young, all was OK. Now she's older, they won't pay for anything, and the rates are up 50%. They used to be really good company, but the last few years have become complete garbage. Save the 160 a month and pay the bills yourself. Will save you half.

POSTED: | BY: elma majstorovic

I give them 0 starts Been with them for years and the one time we put in a claim we are denied i should of put away that money and would of had a few grand for vet bills

4

out of 5

POSTED: | BY: Jordanna Aboughoche

Best Company

It costs, but they cover a lot and do what they say they will. Also, direct billing is amazing, and 90% coverage is amazing after our deductible.
5

out of 5

POSTED: | BY: Carmen Polmolea

The best decision I’ve made for my dog!

My fur baby has been a healthy happy boy for 11 years. Never would I have imagined that out of no where he would require emergency surgery and care. A cost so high I could never have afforded it. Because of Trupanion, my best friend is currently in surgery getting the help he needs. My vet hospital bills are covered! I cannot express my gratitude and how happy I am that I’ve made the decision to have insurance. Without it Max would have died! He now has a chance to fight and I’m a very proud mama! Thank you Trupanion! Thank you so much!
1

out of 5

POSTED: | BY: Seeking Truth

They took 4 MONTHS to payout my basic…

They took 4 MONTHS to payout my basic claim. For which I have paid over $200 in interest fees on my credit card. Don't use them!!!!
3

out of 5

POSTED: | BY: Angel Marie

We haven't had anything major happen…

We haven't had anything major happen but I feel good knowing my pets will be mostly covered if something major happens. The only issue I have is certain things being called a pre-existing condition for very common problems that every animal will have. So unless you sign your pet up as a puppy or kitten certain things won't be covered.

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 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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