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: Gladys Evelyn

Helpful Insurance Agent explaining the Claim

I phoned to ask about cost of tests that the vet said Charlie might need if the problem persisted. The insurance agent explained what the estimated cost would be and he told me about getting the test pre-approved because the test was expensive. Lucky, for us Charlie got better but we now know what to do if the problem arises again.
5

out of 5

POSTED: | BY: Ryan Kandasamiar

Amazing

Very good service, on the phone or via email for claims!
5

out of 5

POSTED: | BY: Arlene Shapiro

Warm, caring lifesaver!

My dog had a severe allergic reaction to accidently ingested peanuts and stopped breathing! We rushed him to our vet who ran inside with him to attempt resussitation. After the 20 longest minutes of our life, she returned him to us. But his breathing was labored. She advised us that he needed overnight care at the local, (extraordinarily expensive) Animal Hospital in case he stopped breathing again. In view of the expense, she also suggested we could stay up all night with him, offering to show us how to resusitate him. We knew we could afford the safest, best treatment because we had the best pet insurance in the world: TruePanion. Not only did you respond promptly to claims filed by both our vet and the animal hospital, saving us from financial hardship, but he did stop breathing again during the night, so you helped to save his life, by allowing us to pursue the best medical care for the love of our life! Thank you Trupanion. We love you.
5

out of 5

POSTED: | BY: Dusty Reid

Thank Goodness for Trupanion

Our 2 year old cat Boo was attacked by my sisters' 2 Irish Wolfhounds on July 5th 2014. Boo then spent 2 months at our local vet clinic. She had 3 surgeries, did not eat for over 45 days living via a stomach tube but finally came home in early September. She was emaciated, bald all over and exhausted. The cost was over $10,000. Trupanion was with us every step of the way with prompt email updates, payment directly to the vet and even a refund check at one point. I spoke to them once on the phone and the rep was kind and helpful otherwise, we had to do almost nothing. Honestly I have never had such an easy, satisfying insurance experience, especially considering the cost and that it was for a cat! If we did not have insurance, my plump healthy cat would not be sitting on my lap making it hard for me to type this and purring right now. There is no way we could have afforded to save her. I would recommend Trupanion to any pet owner.
5

out of 5

POSTED: | BY: Janine

Terrific!

So friendly and so helpful and they process claims FAST. I am so thankful I have Trupanion in my corner right now as my dog is suffering from an unknown neurological syndrome right now and I would never be able to afford the diagnostics or treatment if I didn't know they would be there to cover so much of it.
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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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