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.
4

out of 5

POSTED: | BY: Christine King

Completely Satisfied

Choosing Trupanion for Pet Insurance has been the best decision I've made since getting our dog. My rambunctious puppy loves to play and he plays hard. One time, he took it too far and ended up fracturing his knee. It was devastating to hear the vet tell us his knee was fractured and that he would require surgery. She then began having the "can you afford it" talk with us. Fortunately, we had gotten pet insurance. One call to Trupanion and the pre -approval for the surgery was done in two hours. Our vet doesn't do direct bill so we paid the bill and received our claim from Trupanion in just one week. Our puppy has recovered splendidly and we have been so happy with the service we have received from Trupanion. Service is quick and always friendly.
5

out of 5

POSTED: | BY: Barbara Darnell

Trupanion Pet Insurance

Four years ago we chose Trupanion for our two cocker spaniels and, honestly, it is one of the smartest things I have ever done. Trupanion's policy is straight forward, no fine print, just what we do, what we expect from you as a pet owner and what we don't do. If you don't like surprises but love dependable, truthful service, GET THIS INSURANCE. We have used the insurance several times for each dog and we get immediate replies once the info has been submitted and, the reimbursement checks come very quickly. A tip-top company and well worth every penny of my monthly premiums! Thank you Trupanion
4

out of 5

POSTED: | BY: Michaela

Payment

Trupanion was amazing to work with. The required information to receive a refund was clear and easy to submit. They are great to work with.
5

out of 5

POSTED: | BY: Laurie vollmoeller

Claims handling with Compasion

Best money I ever spent on any kind of insurance. Health, home, auto, life or disability for humans. This company treats your pet as a valued client and better than some insurers treat human clients. Claims paid promptly and fairly always. President Obama should have worked with Trupanion in designing a health insurance program for humans. I am sure if that had been done there would be a lot more happy active stock and politicians. These people have it right and down to a science.
5

out of 5

POSTED: | BY: James Martin

Fan Mail for an Insurance Company?

I can't believe I would ever be raving about an insurance company. When my beloved 24-year-old cat (yes, 24!) Sydney was diagnosed with a malignant breast tumor, I was devastated. There were numerous diagnostic tests and a rush into surgery. The bills mounted up. Trupanion was right there by my side through the whole process. They made filing a claim unbelievably easy and, at this incredibly difficult time, they thankfully did almost all the work themselves. E-mail exchanges were easy and encouraging and payment was immediate. My only gripe with this company is that I cannot rate them higher than a 10. (BTW, Sydney had a great surgery, tumor encapsulated with no spread, back at home, happy as ever.)
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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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