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: Joy

Cat Renal Failure

I signed up for this insurance just before my cat's annual review. Blood work was done and it was determined that she had renal failure. Paperwork was submitted to Trupanion, and it took awhile before I received reimbursement. By this I mean like 8 weeks. Once the subsequent paperwork was submitted, I received better turnaround response from Trupanion (approximately 2 weeks). They are very friendly too.
5

out of 5

POSTED: | BY: Carla Omoth

Courteous, Efficient, Prompt

The premiums can stretch a monthly budget for 2 pets with the thousand dollar deductible, but the coverage for my sick puppy has paid for itself and saved us quite a bit. The claims are easy to submit by fax, and the processing is usually complete, including bank deposit, within a week.
5

out of 5

POSTED: | BY: Marla Rose

Hassle Free, Quick, Easy & 100% Satisfied

Took my dog into the vet to have her back leg examed as she would not put any weight on it. The vet took an x-ray and we agreed on starting a less invasive treatment for her injury, pain medication and two other types of pills. Never filed a pet insurance claim before so figured why not, all they can do is deny it. I filled out the top part of the claim form and my vet's office completed the rest and subitted it to Trupanion Pet Insurance. This was on a Thursday. I rec'd an email confirmation from Trupanion that day of receiving the claim. The next day, I rec'd another email from Trupanion advising me my claim is being processed. The following Wednesday, 6 days later, Trupanion notified me by email my claim was approved for the full amount allowed for what my policy covers. I received a reimbursement check a week later. Filing this claim was totally hassle free, no going back and forth, no submitting extra documents or forms. Especially being the first claim, it was very easy and fast. I wish I would have obtained pet insurance a long time ago. I highly recommend Trupanion Pet Insurance.
5

out of 5

POSTED: | BY: Maureen

Awesome!!

Extremely supportive & helpful with our Kitty Smokie who has at 6 years of age been diagnosed with a heart problem. I am so thankful we have Truepanion to help with the vet costs and to have their support. Would never go without having pet insurance...it is peace of mind.
5

out of 5

POSTED: | BY: Stefanie

Excellent Experience

I faxed my claim on a Tuesday and that evening received an e-mail that my claim was being processed. By Thursday, 90% of my bill was approved to be reimbursed to me.
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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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