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: Rhea Vardy-MacPhee

No complicated application forms

Such an easy process to protect my precious companion. Too bad everything in life didn’t go this smoothly!
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1

out of 5

POSTED: | BY: Steven Persaud

Not always covered

I have had this pet insurance for 10 years and never had an issue with claims. My dog was covered for an injury 9 years ago and now she suffered a more extensive injury which was an accident but based on the initial injury it is deemed this is an illness in the breed of dog that I have. An illness should be just that, an illness. Not an injury that caused future weakening of her knee. make sure and be clear when you sign up for pet insurance. 10 years later and a lot of premiums paid my claim was denied.
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5

out of 5

POSTED: | BY: Daniel

If I could give a million stars...

If I could give a million stars, I would. Trupanion has been nothing but amazing during Lola's sudden hospitalization. It is no hyperbole to say that without our coverage, and their prompt payments, we would have to choose between financial ruin and putting Lola down. We have had to do neither and Lola is now happy and healthy back at home with us.
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1

out of 5

POSTED: | BY: ann marie s

Don't plan on this to come to your rescue.

My pet became ill and required critical care and hospitalization. I had a $500 deductible with my 90% coverage. Only one emergency hospital in the greater Toronto area was willing to accept coverage from the insurance company and as a result my pet did not make it. I was perplexed as to why that was..until I saw how much I was being reimbursed for. So of a hospital bill of around $1400...I ended up paying almost $1000 and for a vet bill of $1200...I ended up paying almost $900. So it's clear that this So called 90 % coverage with no caps is not true even with a $500 deductible. For all those pet owners who think that this coverage will cover an icu visit, think again. And they sent my limited reimbursement via cheque when its 2023 and my policy payments come out direct deposit. Never ever again! UPDATE: I spoke to someone to get assistance on the charges. I asked for a summary of all billings since they are disputing my statements. I'm being told they can't produce a summary??? REALLY..never again. I will remain one of your biggest detractors...that's the least I can do for my deceased pet. UPDATE: October 14, no one from Trupanion has reached out to me. I keep on providing my account details on this forum and radio silence. Still have not received my itemized statement of account. I will say it again,beware...keep your cash and maybe unlike me your fur baby will survive.
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5

out of 5

POSTED: | BY: Peter Louvros

Absolutely Amazing Company

Trupanion? I'm speechless. They are amazing. We have two dogs and and our insurance we have for them is worth every penny. I would NEVER use any other pet insurance company. Trupanion, you're amazing.
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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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