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: Megara Kastner

Outstanding Customer Service

I had to race my 5 year old Labradoodle to the emergency room. I hadn't put in a claim to Trupanion since I started the insurance a year before. As I waited for the ER doc, I called Trupanion. The service rep. was so compasionate and immediately faxed the paperwork to the ER. I called later to check in and, again, the rep. was extremely helpful. The following day, I took my dog to her regular vet for a follow up. Then filed all the paperwork for a claim. Each step of the way, Trupanion emailed me the status, contacted all my previous vets to gather my dog's records. I was told it would take 4 to 6 weeks to get reimbursed. My checks are in the mail after 2-1/2 weeks. Everyone person I talked with at Trupanion was remarkable and very, very helpful. I highly recommend this company to everyone. I have neverr had such wonderful customer service.
5

out of 5

POSTED: | BY: PK

Trupanion-Nice when things work

It's nice when things work the way they are supposed to. Our 185 lb, six year old mastiff came down with a sudden systemic infection and spent 4 days in doggie ICU. The cost of ICU plus medications for the month following landed us with almost $7,000 in vet bills. Situations like this are exactly why you enroll with pet insurance: It takes cost out of the equation when trying to save your pet's life. Trupanion delivered on their promise by helping us get the best medical care for our pet without the worry of how we were going to pay for it. Within 4 days of filing our claim with Trupanion, we received an email that our claim had been processed. Within 12 days we received our check from Trupanion. They paid the exact amount we had expected... 90% of our claim, following our deductible. They only disallowed about $300 of the claim. This is far superior to other pet insurance companies we've used over the years for other pets. It's nice when things work the way they should. We highly recommend Trupanion over other pet insurance plans.
1

out of 5

POSTED: | BY: Jen

Wont cover any vet bills

I will never recommend this company to anyone! I called multiple times before I started a policy, what they told me seemed to good to be true. I asked multiple times, whats the catch. Sure enough after paying $50 a month for over a year, I finally had to use them. What a joke. $1200 vet bill that was broken up in 2 vet visits (so I could actually afford to pay it) and Trupanion says it is not the same problem! I called to verify it was indeed the same incident. They then said I need to have my vet email them a letter with all the info. So now I am begging my poor vet to take time out of his practice to email a ridiculous letter because one word was omitted from the issue description. On top of this they have changed my policy 3 times without telling me, resulting in being charged $10 more monthly for the last 7 months. So now I have to fight to not only get my vet bill paid, but reimbursed for the monthly fraud! Please take warning! This company is a scam. I know we all want to do whats best for our loved ones, but this will only stress and hurt you in the end!
5

out of 5

POSTED: | BY: Michele Martin

Exceptional

I am a veterinarian. I regularly recommend Trupanion based on client experience, and a review of the contract. Payment was received quickly, without any questions from the company, and when there was an oversight with one invoice, it was quickly resolved. Overall excellent experience.
5

out of 5

POSTED: | BY: Jonathan

I love Trupanion! Alternative treatments covered

Very simple claim form. They also have claims express which is where they pay your vet directlyand that's right you just have a co-pay. I love my dog with all of my heart but I will not go broke or into debt for expensive medical bills. They also cover alternative treatments and I can consult with any veterinarian in the United States, Puerto Rico and Canada. Trupanion takes the financial worries away to allow me to make my own decisions for My dog's treatments.
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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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