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: Jonathan Garvey

Prompt return, good service.

Return was immediately processed and sent in the mail. Received in very short order, which is even more impressive when you consider it was smack in the middle of the Christmas season.
5

out of 5

POSTED: | BY: Matt Matsuo

Review of our experience for Rex's Hip Dysplasia

Trupanion is amazing Insurance Company who pays so much attentions and quick follow ups. I have never dealt any Insurance Company who is so organized and well managed cross any level of staff and managers. I was totally satisfied with Trupanion.
5

out of 5

POSTED: | BY: Jocelyn

Excellent

My dog ate a glove and needed emergency surgery. $5000 later and a few days at the pet hospital I was really worried my claim might not be covered because just a couple months ago my dog needed to go to the hospital for something else that came out to roughly $2000. Within 2 days I heard back from trupanion that they were covering my claim (on Christmas eve). An excellent Christmas present as my stress regarding the money was put to rest.
5

out of 5

POSTED: | BY: Jackie Fellows

True Pet Angels

My little furry baby was having such discomfort and i brought her in so scared of the medical bills right before Christmas. To my surprise the vet submitted everything and I walked away paying just my deductible and emergency vet visit. Trupanion took care of sending payment directly to my vet for almost 900.00. I have gone back and forth many times over two years whether it was an investment I could make but I am here to tell you I will never doubt having it again.
4

out of 5

POSTED: | BY: Tracey Damaren

fast, hassle free process

Kai was first seen on Dec. 19 for vomiting and weight loss. The claim for this visit was processed the next day. He was then seen for an ultrasound and gastroscopy on Dec 22 and that payment was processed Dec26th. We appreciated the quick service from Trupanion. The only negative is the fact that exams and consults are not covered as every vet and surgeon who so much as looked at him charged us for a consult. I feel only the initial exam should be charged to the owner as one really has no control over the other charges and every "exam" did not provide any new information, but rather just felt like a money grab from a family too shell shocked to realize this. After the diagnosis of terminal cancer, all following exams should be covered

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 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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