Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,883

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.
2

out of 5

POSTED: | BY: Constance Frownfelter

disappointed

I took my dog to the vet for pain and sick, it was found that he had crystals in his bladder. Trupanion decided to not pay part of the claim because they thought my dog had pancreatitis which he did not we had them on food to make sure he didn't get a reoccurrence of it but they picked that out just to be able to discount part of the claim. I have my debt writing them another letter claiming the dog has not had pancreatitis since January 2013. We were just being extra careful with the food to make sure we didn't cause it to come back. My bed put my dog on a completely other food because of the crystals in his bladder. I had a lot of extra work for me with calling the insurance company and calling my vet and bothering my vet to try and get this straightened out very disappointing
5

out of 5

POSTED: | BY: Michael

The best!!!!

My Great Dane was diagnosed with a heart condition, that will unfortunately take his life...... He's on meds that are very expensive every month. The vet and emergency room bills are crazy expensive. Trupanion has paid literally 90% of everything. I could not have afforded to keep my dog alive throughout this without Trupanion. Don't look anywhere else. The reimbursement and pre approval of needed are very fast! You will not be disappointed with this company.
5

out of 5

POSTED: | BY: A. and

Removed cost from the decision making process.

Our cat was diagnosed with an aggressive form of lymphoma that is best treated with an aggressive, and expensive, multi-drug protocol. Not all cats have the personality to tolerate weekly visits to the veterinarian, thankfully our cat was very social with just about anyone. Quality of life was our utmost concern--NOT THE COST! Diagnostic tests and weekly visits quickly can add up to thousands of dollars. We cannot thank Trupanion enough for their quick claim settlements, friendly staff, and generous coverage (90%-much higher than most others.) Thanks to Trupanion, his cancer treatment was not based on whether or not we could afford it. We are telling everyone we know with pets how thankful we are for our Trupanion policy.
4

out of 5

POSTED: | BY: thy

still don't understand why

Don't understand why some of the services not cover. Like office visit, without it how the doctor exam reily and perform proper diagnose ? then treat his injury ? I thought when Reily's bill come all I have to do is pay the the deductible ($500). Worry free, isn't why I want to get pet insurance.
5

out of 5

POSTED: | BY: Christine Green

Best insurance plan I ever had!

Our 3 year old Greater Swiss Mountain Dog got hit by a car. She needed to be hospitalized. She spent 3 days in the hospital with an IV, multiple X-rays, oxygen therapy and pain management. The bill was $2500.00. We got reimbursed $2400. Yes, you do have to pay upfront for an emergency, but scheduled procedures can be pre certified, so you don't have to pay upfront. If you love you child (pet), you should seriously consider obtaining this insurance.
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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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