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: Natalie

Trupanion is Wonderful

I was lucky enough to have the foresight to sign my sweet boy up for insurance through Trupanion from the time he was a puppy. We ended up needing to lean on that insurance more times than I would have wanted for the poor guy, but they always came through. I don't know how we would have managed without their quick turn-around and incredible policy. Thank you Trupanion.
5

out of 5

POSTED: | BY: jacqueline Blachowski

Trupanion is great

All my pets are insured with Trupanion, I have nothing but praise for the company
5

out of 5

POSTED: | BY: Richard B

Trupanion is the BEST

We gave an English Bulldog puppy,who has had her share of issues. I can't say enough good things about Trupanion. By far the BEST insurance company I've ever dealt with in any field. Thank you soooooo much for helping with our little fur baby.
4

out of 5

POSTED: | BY: Pamela Bryan

Routine care

My experience has for the most part been positive. I had one situation, and a very costly one, that I thought Trupanion could have stepped up to the plate. They are very tied to "a condition". ie - My pet needed to have a very boxer dental disease of a bleeding epulus and it was determined that she would need to ungergo a general anestetic to remove the oral masses. At the young age of 4, the vet detected a slight heart murmur and before he would proceed with the oral surgical work, which required, anasthesia, he prescibed the following diagnostics: complete blood panel, urinalysis, chest radiographs, ECG and an echocardiogram with a board certified cardiologist. Dr. Goldfarb stated to Trupanion that "The echocardiogram and cardiac work up was performed by Kristen McDonald at the Animal Care Center on 8/16/13. The ECG, chest radiographs and echocardiogram are considered diagnostic tests for the purpose of Lilly going under anesthesia and removing the oral masses. The cardiology report clearly states that "Lilly presents for aneststhesia clearance". Trupanion denied the singular claim and concluded that the ECG was a separate condition and applied the separeate deductible to the ECG even tho our vet wrote and said that it was a diagnostic test required for the anastesia. The cardiology report also stated that "Lilly presents for anastesia clearance", which is was the diagnostic procedure requied. Trupanion did not live up to their claim that "diagnostics" would be considered one claim. I was very disappointed that they considered this another "condition" rather than a diastonic test for a prescribed procedure. The deductible tab was over $500. for a "new condition". Otherwise, we have been pleased with their prompt response for other "conditions", but be careful how you "present" as they can worm around.
5

out of 5

POSTED: | BY: Don

Speedy Payment

Easy claim process and prompt payment.
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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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