Trupanion Pet Insurance Canada Review 2025: Is It Worth It?
Our expert's opinion on Trupanion
Trupanion in Canada offers a single core medical insurance plan that reimburses the actual costs of veterinary treatment for new, unexpected injuries and illnesses, with a per-condition deductible and optional riders for additional services.
The policy details cover diagnostics, surgery, medication, hospitalization, specialist care, dental treatment subject to conditions, and partial coverage for prescription food and prescribed supplements; a co-insurance (quote‑part) applies though the exact percentage, reimbursement limits, and any wellness budgets are not disclosed in the provided documents. Compared with main competitors, Trupanion emphasizes one comprehensive actual-cost plan with per-condition lifetime coverage and Direct Vet Pay in participating hospitals, positioning itself on straightforward plan design and add-on riders rather than multiple tiered packages or separate wellness plans.
Best suited for owners of young, otherwise healthy pets without pre-existing conditions who want comprehensive actual-cost protection and optional rehabilitation or breeding riders.
Underwritten in Canada by Omega General Insurance Company (Trupanion), the supplied documents include Canadian contact and claims numbers but no revenue or premium volume figures; no customer reviews were found in the provided materials. Claims handling features Direct Vet Pay at participating clinics, but average reimbursement times are not reported in the documents.
- ✅Actual-cost coverage for unexpected illnesses and injuries
- ✅Per-condition deductible with lifetime coverage for that condition
- ✅Optional riders for rehabilitation, complementary care, and breeding
- ✅Direct Vet Pay available at participating veterinary hospitals
- ✅Dental illness and prescription food coverage (subject to limits)
- ✅Covers specialist care, diagnostics, surgeries, hospitalization
- ✅Single clear core plan design
- ❌Co-insurance percentage not disclosed in provided documents
- ❌No wellness budget or routine care coverage included
- ❌Extensive 18-month pre-existing condition exclusions
- ❌Waiting periods: 5 days (injury) and 30 days (illness)
- ❌Limited dental coverage and exclusions for routine cleanings
Score- ✅Actual-cost coverage for unexpected illnesses and injuries
- ✅Per-condition deductible with lifetime coverage for that condition
- ✅Optional riders for rehabilitation, complementary care, and breeding
- ✅Direct Vet Pay available at participating veterinary hospitals
- ✅Dental illness and prescription food coverage (subject to limits)
- ✅Covers specialist care, diagnostics, surgeries, hospitalization
- ✅Single clear core plan design
Our expert's opinion on Trupanion
- ✅Actual-cost coverage for unexpected illnesses and injuries
- ✅Per-condition deductible with lifetime coverage for that condition
- ✅Optional riders for rehabilitation, complementary care, and breeding
- ✅Direct Vet Pay available at participating veterinary hospitals
- ✅Dental illness and prescription food coverage (subject to limits)
- ✅Covers specialist care, diagnostics, surgeries, hospitalization
- ✅Single clear core plan design
- ❌Co-insurance percentage not disclosed in provided documents
- ❌No wellness budget or routine care coverage included
- ❌Extensive 18-month pre-existing condition exclusions
- ❌Waiting periods: 5 days (injury) and 30 days (illness)
- ❌Limited dental coverage and exclusions for routine cleanings
Score- ✅Actual-cost coverage for unexpected illnesses and injuries
- ✅Per-condition deductible with lifetime coverage for that condition
- ✅Optional riders for rehabilitation, complementary care, and breeding
- ✅Direct Vet Pay available at participating veterinary hospitals
- ✅Dental illness and prescription food coverage (subject to limits)
- ✅Covers specialist care, diagnostics, surgeries, hospitalization
- ✅Single clear core plan design
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Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
Trupanion's Guarantees
Trupanion offers a single core medical insurance plan for pets in Canada, designed to cover the actual costs of veterinary treatment for new and unexpected injuries and illnesses. The core plan is positioned as a comprehensive medical product; policyholders can add optional riders (examples: Recovery and Complementary Care Rider, Pet Owner Assistance Program, Breeding Rider) to enhance coverage for rehabilitation, alternative therapies, owner assistance benefits (boarding, lost pet advertising, cremation), or breeding-related risks. Coverage under the core plan includes diagnostics, surgery, hospitalization, medications, and specialist care for eligible conditions.
The policy uses a per-condition deductible: the chosen deductible must be paid for each distinct illness or injury, and once the deductible for that condition is met, eligible costs for that same condition are payable for the life of the pet without re-paying the deductible for that condition. The plan includes a co-insurance (quote-part) requirement; the specific percentage is not stated in the provided documents and appears on the declarations page. Waiting periods apply: 5 days for injuries (accidents) and 30 days for illnesses. Pre-existing conditions are narrowly defined and can include conditions with signs or treatment in the 18 months prior to the policy start date.
Policies are linked to regulated insurers for Canada (contact details reference Omega General Insurance Company/Trupanion for Canadian operations). Special benefits commonly available via optional riders include rehabilitation and alternative therapies, third-party liability, lost pet advertising and reward, boarding fees, holiday cancellation, and cremation or burial expenses. The core plan also includes limited prescription food and supplement coverage when prescribed to treat a covered condition; broader wellness or preventive care is not part of the core product but some non-core services are available via riders.
| Core medical plan (Trupanion) | |
|---|---|
| Plan positioning | Single core comprehensive medical plan; enhanced via optional riders |
| Type of coverage (accident/illness) | Both (covers unforeseen injuries and illnesses) |
| Animals covered | Dogs and cats (Canadian product) |
| Reimbursement rate | Actual eligible costs less per-condition deductible and co-insurance; specific co-insurance % shown on declarations |
| Annual reimbursement limit | Not specified in provided documents |
| Deductible (annual or per claim) | Per-condition deductible (paid once per distinct illness/injury; then that condition covered for the life of the pet) |
| Age limits for enrollment | Not specified in provided documents |
| Pre-enrollment health questionnaire | Not specified in provided documents |
| Waiting periods (accident and illness) | Injuries (accident): 5 days; Illness: 30 days |
| Lifetime coverage | Per-condition lifetime coverage after deductible for that condition is met (i.e., eligible costs for that condition payable for life of pet) |
| Consultations | Limited: treatment-related services covered; routine exams/consultations and certain exam fees are listed among exclusions |
| Medications | Covered when prescribed to treat a covered illness or injury (subject to policy terms) |
| Hospitalization | Covered for eligible injuries/illnesses (subject to policy terms) |
| Surgery | Covered for eligible injuries/illnesses (subject to policy terms) |
| Diagnostic tests | Covered when part of eligible treatment for a covered condition |
| Dental care | Covered for dental illnesses/injuries with conditions (annual dental exam requirement, adherence to vet advice; some dental procedures limited) |
| Preventive care | Not covered in the core plan (preventive/wellness excluded); some preventive-type services not covered unless via rider |
| Alternative medicine | Limited in core: herbal treatments, vitamins, nutraceuticals when prescribed to treat a covered condition; broader rehabilitation/alternative therapies available via Recovery and Complementary Care Rider |
| Travel coverage | Holiday cancellation and related travel benefits are available only via optional Pet Owner Assistance Program rider |
| Civil liability | Third-party liability available only via optional Pet Owner Assistance Program rider (not in core) |
| Euthanasia | Not explicitly detailed in core policy wording provided; related costs (cremation/burial) addressed via owner assistance rider |
| Death & cremation coverage | Cremation or burial expenses are included in Pet Owner Assistance Program rider (optional) |
| Theft or loss + search expenses | Lost pet advertising and reward covered via Pet Owner Assistance Program rider (optional) |
| Boarding fees | Boarding fees (e.g., if owner hospitalized) available via Pet Owner Assistance Program rider (optional) |
Trupanion Exclusions
Trupanion’s exclusions focus first on pre-existing and time-based exclusions: any condition that showed signs, was treated, or was controlled by medication in the 18 months before the policy start date is excluded, and injuries/illnesses occurring within the 5‑day (injury) or 30‑day (illness) waiting periods are treated as pre‑existing if they manifest then; hip dysplasia is specifically excluded if signs existed before the start date or within the 30‑day window, and bilateral conditions present on one side in the look‑back are excluded on the other side as well.
Routine, elective and non‑medical items are excluded — this explicitly covers exams (including re‑checks and certificates), routine preventive care (vaccinations, parasite prevention), grooming, microchipping, non‑prescribed diets, and most boarding costs; elective/cosmetic surgeries (tail docking, ear cropping, declawing, dewclaw removal) are also excluded.
Dental exclusions are strict: dental illness is excluded if signs (periodontal disease, tartar, resorptive lesions) existed before policy start or during waiting periods, routine dental prophylaxis is not covered, and treatment for retained deciduous teeth is excluded if the pet enrolled at six months or older.
Other notable exclusions include breeding and pregnancy-related conditions (unless the Breeding Rider is purchased), injuries from racing, preventive parasite treatments, administrative fees and non‑medical supplies, and losses caused by war, civil unrest or nuclear incidents; notable competitive differences are Trupanion’s long 18‑month pre‑existing look‑back and the explicit exclusion of routine exams (some competitors reimburse consultations), while Trupanion still offers uncommon inclusions via policy wording (e.g., herbal supplements when prescribed and partial coverage for prescription food) through its standard or optional riders.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre-existing conditions (any sign/treatment/medication in the 18 months before policy start), hip dysplasia excluded if signs before start or within 30‑day window, bilateral conditions excluded if one side had prior signs, conditions resulting from repetitive activity if similar incidents occurred in prior 18 months |
| Waiting period & temporal exclusions | Injuries within 5‑day waiting period and illnesses within 30‑day waiting period are excluded and treated as pre‑existing |
| Dental exclusions | Dental illness excluded if periodontal disease/tartar/resorptive lesions present before start or during waiting periods; routine dental prophylaxis (cleaning, scaling, polishing) excluded; retained deciduous teeth excluded if enrolled at >6 months |
| Routine & preventive exclusions | Vaccinations, parasite prevention, routine diagnostic tests with no clinical signs, non‑prescribed diets, grooming, nail trims, toothbrushes/toothpaste, chews, routine dental care |
| Elective, cosmetic & reproductive exclusions | Elective/cosmetic procedures (tail docking, ear cropping, declawing, dewclaw removal) excluded; spay/neuter excluded unless medically necessary; breeding, pregnancy and whelping excluded unless Breeding Rider purchased |
| Administrative & non‑medical exclusions | Exams (physical consultations, re-checks, medical certificates) excluded, administrative fees, taxes, shipping costs, bedding, crates, toys, leashes, grooming supplies |
| Activity & specialty exclusions | Injuries from racing, use in professional/commercial activities (unless covered by rider), war/nuclear/civil unrest exclusions |
| Coverage‑specific exclusions & limits | Prescription food limited to 50% for up to two months (not an exclusion but limited), herbal/nutraceuticals covered only if prescribed for a covered condition, per‑condition deductible applies and affects coverage timing |
| Geographic & external exclusions | Illnesses/injuries caused by war, nuclear incidents, strikes or civil unrest excluded |
| Appeals/operational notes | Complications arising from non‑covered conditions or procedures are excluded; administrative/claim processing fees not covered |
Trupanion prices
Trupanion’s product architecture and service features position it toward the premium segment of the market: the policy’s per‑condition deductible with lifetime coverage for that condition, availability of optional riders (rehabilitation/recovery, owner assistance, breeding), and direct‑to‑veterinarian payment in participating hospitals are characteristics commonly associated with higher‑value offerings rather than entry‑level products.
Competitiveness is driven by deductible structure and the reimbursement mechanics: Trupanion uses a per‑condition deductible that, once met, applies for the life of the condition rather than resetting annually, which can be more favourable than annual deductible models for chronic conditions; the actual co‑insurance/reimbursement percentage is set on the declarations page and is not mentionned, limiting a complete public price comparison. Waiting periods (injuries: 5 days; illnesses: 30 days), a long pre‑existing look‑back (18 months) and specific bilateral/pre‑existing rules materially affect value for owners of at‑risk breeds and pets with prior health history.
Key differentiators that justify a premium positioning include the per‑condition lifetime coverage mechanism (reducing repeated deductible exposure for the same condition), the suite of optional riders that extend benefits beyond core medical cover, and operational features such as the ability to pay veterinarians directly in participating clinics.
Compared with more traditional annual‑limit or per‑year condition models, Trupanion’s structure shifts costs and risk in ways that can be advantageous for owners seeking long‑term continuity for individual conditions, while the 18‑month pre‑existing definition and waiting periods create strict underwriting boundaries that can influence net cost and eligibility.
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| Trupanion Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much will I be reimbursed with Trupanion?
With Trupanion you pay a per-condition deductible first, then the policy typically pays a fixed percentage of the eligible remaining costs for that condition for the life of the pet once the deductible is met.
✅ Example 1: Emergency surgery (intestinal obstruction)
Total vet costs: $4,200 (emergency exam, surgery, hospitalization, medications)
Deductible amount to subtract: $100 (per-condition deductible chosen)
Amount reimbursable after deductible with the Premium plan: $4,200 – $100 = $4,100
90% of that amount reimbursed: $4,100 × 90% = $3,690
👉 You receive a reimbursement of $3,690.
ℹ️ *Trupanion uses a per-condition deductible: once this deductible is paid for a specific condition, future eligible costs for the same condition are covered without paying the deductible again; Direct Vet Pay may reduce your immediate out-of-pocket at checkout.*
✅ Example 2: Cruciate ligament repair (ACL surgery)
Total vet costs: $8,500 (pre-op, surgery, implants, post-op care, rehab)
Deductible amount to subtract: $0 (deductible for this condition was already met earlier in the policy year)
Amount reimbursable after deductible with the Premium plan: $8,500 – $0 = $8,500
90% of that amount reimbursed: $8,500 × 90% = $7,650
👉 You receive a reimbursement of $7,650.
ℹ️ *Because Trupanion’s deductible is per condition, once the deductible for the cruciate issue was paid earlier, remaining eligible costs for that same condition are reimbursed without a new deductible.*
✅ Example 3: Dental surgery for an acutely fractured canine tooth
Total vet costs: $1,200 (dental exam, extraction, anesthesia, pain meds)
Deductible amount to subtract: $100 (per-condition deductible)
Amount reimbursable after deductible with the Premium plan: $1,200 – $100 = $1,100
90% of that amount reimbursed: $1,100 × 90% = $990
👉 You receive a reimbursement of $990.
ℹ️ *Dental coverage requires compliance with dental exam and care provisions; routine dental cleanings and pre-existing dental disease may be excluded, so annual veterinary dental checks are important to maintain eligibility.*
Trupanion Assistance
Trupanion offers Direct Vet Pay in participating hospitals, a practical feature that can substantially reduce immediate out-of-pocket costs at the clinic for Canadian owners.
An optional Pet Owner Assistance rider provides financial help for boarding during owner hospitalization, lost pet advertising and rewards, holiday cancellation and limited third‑party liability, but these require additional premium.
The policy documents do not disclose a 24/7 veterinary advice line, teleconsultation service, or a clearly published national partner‑clinic directory, which can hinder urgent remote guidance.
Claims contact channels (phone, fax, email) are provided, yet specifics about a dedicated mobile app or instalment payment options are not communicated.
For owners facing high-cost conditions, Trupanion’s per‑condition deductible plus Direct Vet Pay is beneficial, but gaps in remote assistance and unclear digital claim tools should be weighed when choosing cover.
| Assistance Trupanion | Available? | Details |
|---|---|---|
| Advance payment | ✅ | Direct Vet Pay in participating hospitals. Trupanion can pay its portion directly to the veterinarian at checkout. Availability depends on participating clinics in Canada. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ❌ | N.C. |
| Paperless claims process | ❌ | N.C. |
| Emergency vet service | ❌ | No 24/7 emergency vet line or teleconsultation found in the documents. |
| Vet/clinic partner network | ✅ | Direct Vet Pay is available at participating hospitals. List or nationwide network details N.C. |
| Coverage abroad | ❌ | N.C. |
Trupanion customer reviews
| Review platform | Rating and number of reviews |
|---|---|
| 4.3/5 - 8,936 reviews |
Many reviewers highlight fast claims processing, often while still at the veterinary clinic, and the convenience of direct payment to vets (VetDirect Pay). Customers also frequently mention helpful customer service and the ease of submitting claims online.
Some customers report premium increases over time and frustration with certain claim denials or partial reimbursements (e.g., for prescription food). A few comments note perceived declines in service quality or clarity around coverage decisions.
Here are some examples of customer reviews:
- Dan — 18 August 2025 “Had to send my dog 325 air miles from rural Alaska to Anchorage for treatment. … When I told the receptionist I had Trupanion insurance, … the $1,000 upfront fee was no longer required. The whole experience was better for both of us.”
- M.S — 17 August 2025 “Love getting instant credit toward the vet bill. … We immediately received a credit towards our bill. I love the quick and efficient service. I will definitely recommend trupanion to other pet owners”
- DT — 17 August 2025 “Premiums going up and service going down. Incoherent denials. Even my vet said she is not happy with trupanion these days.”
Contact Trupanion
| Trupanion Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Online subscription process: N.C. |
| To request and track a reimbursement | Contact Trupanion Claims Phone for assistance: 1.855.266.2151. Direct Vet Pay is available in participating hospitals to pay Trupanion’s portion of an invoice at checkout. Claims submission channels listed: Notice@Trupanion.com (email), fax 866.405.4536, and mailing address for claims (see contact row). Required documents for a claim: N.C. Deadlines for submission and standard reimbursement method (e.g., direct deposit, cheque): N.C. |
| To obtain a certificate of insurance | Request method: N.C. Available channels for requests that are listed: General Phone 888.959.9165, email Notice@Trupanion.com, or mailed request to the Canadian mailing address. Information required to issue a certificate: N.C. |
| To contact assistance | Phone (general enquiries): 888.959.9165. Claims phone: 1.855.266.2151. Email: Notice@Trupanion.com. Fax: 866.405.4536. Mailing address: Trupanion / Omega General Insurance Company, P.O. Box 34538, 1268 Marine Drive, North Vancouver, BC V7P 1T2. Online customer portal: N.C. |
| To cancel my policy | Cancellation procedure: N.C. Channels to notify Trupanion of cancellation (as available in contact details): General Phone 888.959.9165, email Notice@Trupanion.com, or mailed notice to the Canadian mailing address. Required information to process cancellation, applicable deadlines, and refund conditions: N.C. |
Online subscription process: N.C.
Direct Vet Pay is available in participating hospitals to pay Trupanion’s portion of an invoice at checkout.
Claims submission channels listed: Notice@Trupanion.com (email), fax 866.405.4536, and mailing address for claims (see contact row).
Required documents for a claim: N.C.
Deadlines for submission and standard reimbursement method (e.g., direct deposit, cheque): N.C.
Available channels for requests that are listed: General Phone 888.959.9165, email Notice@Trupanion.com, or mailed request to the Canadian mailing address.
Information required to issue a certificate: N.C.
Claims phone: 1.855.266.2151.
Email: Notice@Trupanion.com.
Fax: 866.405.4536.
Mailing address: Trupanion / Omega General Insurance Company, P.O. Box 34538, 1268 Marine Drive, North Vancouver, BC V7P 1T2.
Online customer portal: N.C.
Channels to notify Trupanion of cancellation (as available in contact details): General Phone 888.959.9165, email Notice@Trupanion.com, or mailed notice to the Canadian mailing address.
Required information to process cancellation, applicable deadlines, and refund conditions: N.C.
FAQ
Do I have to pay upfront for veterinary fees with Trupanion?
Trupanion offers an advance payment option called Direct Vet Pay at participating hospitals. When available, the veterinarian sends the invoice to Trupanion and Trupanion pays its share directly at checkout. You are still responsible for any per‑condition deductible and any items not covered by the policy. If the clinic does not participate, you pay the vet and submit a claim for reimbursement to Trupanion. Contact your clinic or Trupanion to confirm participation and steps for a specific visit.
How do I cancel my pet insurance policy with Trupanion?
To cancel, contact Trupanion customer service by phone, mail, or email (see policy contacts) and provide your policy number and a written cancellation request. A signed request or confirmation may be required to process the cancellation; include owner and pet details to avoid delays. Ask the agent for the effective date of cancellation and any documentation they need to finalise the file. Information about notice periods, refund or prorated premium conditions is not communicated in the provided documents (N.C.). Retain confirmation of cancellation for your records.
What waiting periods apply before coverage begins?
Trupanion applies a 5‑day waiting period for injuries and a 30‑day waiting period for illnesses from the policy start date. Any condition that shows signs during these waiting periods is treated as pre‑existing and is not eligible for coverage. Certain conditions like hip dysplasia are specifically referenced with the 30‑day rule in the policy documents. Pre‑existing conditions are defined using an 18‑month lookback for prior signs, treatments, or control by medication. Review dates carefully before enrolling to avoid gaps in expected coverage.
How does the deductible work under Trupanion?
Trupanion uses a per‑condition deductible that you choose when you buy the policy; this deductible applies to each distinct illness or injury. Once you meet the deductible for a specific condition, Trupanion will cover eligible subsequent costs for that same condition for the life of the pet. The deductible is applied before Trupanion's share; the policy also includes a co‑insurance (quote‑part) percentage shown on your declarations page. If a new, unrelated condition arises, a new deductible will apply for that condition. Ask your agent for examples to see how deductibles and co‑insurance affect a typical claim.
What is covered and what are the main exclusions?
The core Trupanion plan covers actual veterinary costs for unforeseen injuries and illnesses including diagnostics, surgery, medications, hospitalization, and specialist care. Routine preventive care, elective procedures, administrative fees, and routine dental prophylaxis are excluded unless specifically stated or added via riders. Pre‑existing conditions are excluded; the contract gives detailed bilateral and time‑based rules (e.g., 18‑month lookback, hip dysplasia rules). Optional riders can add coverage for rehabilitation, behavioural therapy, or breeding‑related conditions where noted. Always check your declarations page and the policy wording for exact limits and exclusions.
How do I file a claim and what about reimbursement timing?
For claims or questions, contact Trupanion's claims phone number or the Notice@Trupanion.com email provided for Canadian policyholders. In participating clinics, Direct Vet Pay may eliminate the need to submit a claim; otherwise you will submit invoices to Trupanion for reimbursement. Trupanion pays eligible costs after the deductible and any applicable co‑insurance are applied; specific reimbursement timelines and payment methods are not communicated in the documents (N.C.). Keep original invoices, itemized treatment records and receipts as these are commonly required to process claims. Ask Trupanion for the preferred submission method and average processing times for your case.
What optional riders and assistance services are available?
Trupanion offers optional riders such as a Recovery and Complementary Care rider for rehabilitation, acupuncture, hydrotherapy, chiropractic, and behavioural treatment. A Pet Owner Assistance Program rider can provide support for boarding during owner hospitalization, lost pet advertising and rewards, holiday cancellation, and cremation or burial costs. There is also a Breeding Rider to cover illnesses and injuries related to breeding, pregnancy, and whelping when purchased. The policy documents do not list a 24/7 vet hotline or teleconsultation service in the standard plan materials (N.C.). Contact Trupanion to confirm which riders are available in Canada and how to add them to your policy.
Do I have to pay upfront for veterinary fees with Trupanion?
Trupanion offers an advance payment option called Direct Vet Pay at participating hospitals. When available, the veterinarian sends the invoice to Trupanion and Trupanion pays its share directly at checkout. You are still responsible for any per‑condition deductible and any items not covered by the policy. If the clinic does not participate, you pay the vet and submit a claim for reimbursement to Trupanion. Contact your clinic or Trupanion to confirm participation and steps for a specific visit.
How do I cancel my pet insurance policy with Trupanion?
To cancel, contact Trupanion customer service by phone, mail, or email (see policy contacts) and provide your policy number and a written cancellation request. A signed request or confirmation may be required to process the cancellation; include owner and pet details to avoid delays. Ask the agent for the effective date of cancellation and any documentation they need to finalise the file. Information about notice periods, refund or prorated premium conditions is not communicated in the provided documents (N.C.). Retain confirmation of cancellation for your records.
What waiting periods apply before coverage begins?
Trupanion applies a 5‑day waiting period for injuries and a 30‑day waiting period for illnesses from the policy start date. Any condition that shows signs during these waiting periods is treated as pre‑existing and is not eligible for coverage. Certain conditions like hip dysplasia are specifically referenced with the 30‑day rule in the policy documents. Pre‑existing conditions are defined using an 18‑month lookback for prior signs, treatments, or control by medication. Review dates carefully before enrolling to avoid gaps in expected coverage.
How does the deductible work under Trupanion?
Trupanion uses a per‑condition deductible that you choose when you buy the policy; this deductible applies to each distinct illness or injury. Once you meet the deductible for a specific condition, Trupanion will cover eligible subsequent costs for that same condition for the life of the pet. The deductible is applied before Trupanion's share; the policy also includes a co‑insurance (quote‑part) percentage shown on your declarations page. If a new, unrelated condition arises, a new deductible will apply for that condition. Ask your agent for examples to see how deductibles and co‑insurance affect a typical claim.
What is covered and what are the main exclusions?
The core Trupanion plan covers actual veterinary costs for unforeseen injuries and illnesses including diagnostics, surgery, medications, hospitalization, and specialist care. Routine preventive care, elective procedures, administrative fees, and routine dental prophylaxis are excluded unless specifically stated or added via riders. Pre‑existing conditions are excluded; the contract gives detailed bilateral and time‑based rules (e.g., 18‑month lookback, hip dysplasia rules). Optional riders can add coverage for rehabilitation, behavioural therapy, or breeding‑related conditions where noted. Always check your declarations page and the policy wording for exact limits and exclusions.
How do I file a claim and what about reimbursement timing?
For claims or questions, contact Trupanion's claims phone number or the Notice@Trupanion.com email provided for Canadian policyholders. In participating clinics, Direct Vet Pay may eliminate the need to submit a claim; otherwise you will submit invoices to Trupanion for reimbursement. Trupanion pays eligible costs after the deductible and any applicable co‑insurance are applied; specific reimbursement timelines and payment methods are not communicated in the documents (N.C.). Keep original invoices, itemized treatment records and receipts as these are commonly required to process claims. Ask Trupanion for the preferred submission method and average processing times for your case.
What optional riders and assistance services are available?
Trupanion offers optional riders such as a Recovery and Complementary Care rider for rehabilitation, acupuncture, hydrotherapy, chiropractic, and behavioural treatment. A Pet Owner Assistance Program rider can provide support for boarding during owner hospitalization, lost pet advertising and rewards, holiday cancellation, and cremation or burial costs. There is also a Breeding Rider to cover illnesses and injuries related to breeding, pregnancy, and whelping when purchased. The policy documents do not list a 24/7 vet hotline or teleconsultation service in the standard plan materials (N.C.). Contact Trupanion to confirm which riders are available in Canada and how to add them to your policy.
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