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: Patricia Slotnick

excellent coverage, excellent service

Our 1 year 5 month old Welsh terrier showed signs of lethargy & poor appetite. After stays at the Emergency & personal vet hospitals, it turns out Radar had swallowed a piece of toy, causing an intestinal obstruction, requiring abdominal surgery to correct. He is now well on his way to recovery. I submitted the invoices to Trupanion & within 24 hrs and less, we had our claims processed. I also called customer service with a few questions & was given prompt & helpful information. The forms are also very simple & easy to fill out. In addition, I had some old invoices for other unrelated vet visits but they were past the 90 day submission requirement so I had not submitted them. Turns out, Trupanion has dropped the 90 day limit for claims & I was able to get those processed as well. We could not be more pleased with the service, coverage & excellent efforts by the Trupanion staff. Thank you!
5

out of 5

POSTED: | BY: Isabelle LeBlanc

Helpful and friendly

My Bichapoo wasn't feeling well and was coughing. I had to bring her to the emergency veterinarian since my vet had no appointments available for her. I knew my visit wouldn't be too costly since I had Trupanion to back me up. Trupanion handled my claim promptly and in a very friendly manner! I'm very grateful for their service!
1

out of 5

POSTED: | BY: barbara feldman

The worst

Another contrived denial for an exam performed right before infusion by my dog's oncologist. This on the heels of denying a life threatening spay for pyometra although the dog was enrolled at age 7 with clear representation that she was intact, but not breeding or service/therapy dog which requires a rider, and in the face of a phone call and letter from the vet. Please tell me how you can inject drugs into a dog without examining him first. The bottom line is that half of the bill is denied, then they pay 90% of the balance. That makes the real payment 40% on an ongoing basis because no vet in their right mind would treat a dog with chemotherapy (or anything for that matter) without examining. Moreover, not every exam involves blood work or x-rays, which they would probably deny as well. Sometimes it involves manual examination, which was the way we found my last dog's lymphoma. By their rules, that would be denied every time the doctor checked him to see if the nodes were swollen, a primary diagnostic tool for this kind of cancer. I think their advertising is fraudulent and misleading. I really dislike this company.
5

out of 5

POSTED: | BY: Christina Pierce

Excellent service and care

Trupanion was great through the whole month of August in dealing with our cat Jack's sickness. We brought him in because he was not eating. We had exploratory surgery and did Biopsies to see what the problem may have been and Trupanion was great-working with our Vet and processing the claim immediately and covering the expenses at 90%. I would refer Trupanion to anyone looking for Pet Insurance.
5

out of 5

POSTED: | BY: Michelle Poore

Quick claim payment, no hassels

My 3-yr old Pembroke Welsh Corgi started having seizures and was evaluated through physical examination, blood work, and an MRI. Trupanion paid 90% of costs of the blood tests, MRI, and anti-seizure medication, which totaled over $2K. I simply called Trupanion to submit the claim and emailed copies of the invoices. I was responsible for a $100/illness deductible, 10% of the covered costs, and the physical examination costs. Trupanion processed my claim very quickly, and their claims personnel were very polite, understanding, and helpful.
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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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