Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,879

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: Tammy

Exceptional Service

Trupanion is the best insurance company of any kind with whom I've ever done business! They are extremely responsive, helpful and compassionate. We signed up for insurance when our pet was 4 and wondered if we were wasting our money. The answer was no!! Our Labrador retriever developed cancer at the age of 10 and underwent many diagnostic tests, a month of radiation, and one chemo treatment. The costs were close to $30,000. Trupanion responded to our first claim in 2 weeks with a check for 90% of the cost, minus our deductible. They responded to all follow-up claims within 2 days with our reimbursement checks. They were extremely helpful and responsive. Unfortunatley, our sweet dog passed away, but we were comforted by a hand written, personalized sympathy card from Trupanion. When we get our next dog, we will definitely sign up for their insurance again!
5

out of 5

POSTED: | BY: Maria Spadaccini

Trupanion Saves The Day

Trupanion covered over $4,000 in charges stemming from my young puppy's battle with vomitting/diarrea and subsequent exploratory surgery and biopsies. I honestly don't know what we would have done without insurance. Trupanion is a MUST HAVE, when starting your life off with your pet, as you never know what obstacles may lie ahead.
4

out of 5

POSTED: | BY: Eljay

Premium up 35% this year but still worth having

Over five years the premium for our dog has increased from $35 to now $64 per month. It has more than paid for itself to date. I am disappointed with such a high increase this year, but would not do without it. They have been very good at paying on a variety of claims, good communication with the vet and timely payouts. Due to such a high premium increase this year, I chose to rate it an eight. I have been in the same area, using the same vet for the entire time, so a change of locale can't be the reason for the price increase.
5

out of 5

POSTED: | BY: Linda

Jack

I have been very relieved to have Trupanion in our corner. Our fur son has a condition where he produces bladder stones and has intermittent seizures even while we closely monitor his diet. All I can say is that Trupanion and his Vet have saved the day more than a few times. I was skeptical about pet insurance and talked into it by a friend. Kudos to my friend and Trupanion! P.s...the speed for paying claims has gotten much better!
5

out of 5

POSTED: | BY: Jeffery Kulaga

Trupanion is a must have for dog owners

First I want to speak on a very sad note. We recently lost our puppy who was just five months old due to an accident. This was a very hard loss for us as we had waited several years for her. One thing that helped us through this hard time was knowing that we did absolutely everything we could to try and save her, including taking her to Texas A&M University to get the best care possible. We ended up racking up over $4000 in bills trying to save her. There is no way we could have done this without Trupanion. Not only did they cover everything (minus deductible and exam fees) after only receiving a couple of months premium from us, they refunded our current months premium as she had passed on the last day of the previous month. They did so without us asking, or even considering this. Furthermore, they sent us a personalized condolence card signed by several people on their staff. I consider this going above and beyond. On a somewhat lighter note, we have another dog that has been in the vet many times lately due to a skin condition that has proven quite difficult to diagnose. This has also added up to several thousand dollars. We have long since met our deductible, so now Trupanion covers everything at 90% including the medication. For the last couple of months this has added up to more than our premium for all our pets. We can put the vet bills on our credit card, and Trupanion reimburses us long before the bill comes due. I cannot say enough good things.
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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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