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: Michael

Truly Trustworthy

I am not sure who all dealt with our claim but I think that it was Amanda ? Our puppy was hit by a car on Monday evening and of course the situation was very traumatic . We rushed her to Fraser valley emergency specialists ( who luckily dealt with Trupanion ). They took charge of all the details and invoices and got all the info from Trupanion. We were very unsure of what was going to happen as there is always that negative aspect to any insurance claim. We just wanted to say that this was handled extremely efficiently and speedily. Trupanion was amazing and we are ever so happy that we decided to trust them with our puppy's health insurance. I would recommend them without any doubt and have already done so. This is a very professional outfit ! Thank you very much from two very relieved puppy parents....she is on the mend after being in very good care Michael and Diane
5

out of 5

POSTED: | BY: Shannon

Wonderful company with caring staff.

Our dog had a full on grand mol seizure. We took him to the emergency vet who was almost positive it was epilepsy. But testing had to be done to be sure we weren't dealing with anything else. MRI, spinal tap, blood work, testing of the liver. He was at the hospital for 4 days. Thank you Trupanion because i didn't have to make a decision based on finances. The testing was VERY expensive for a disease that's very cheap to treat. If it wasn't for Trupanion, my husband and I may have had to make a difficult decision. I can't thank them enough.
5

out of 5

POSTED: | BY: Cherry

So grateful i found you guys!

I've had, so far, nothing but good things to say about Trupanion. I have recommended this company to everyone that have pets that would listen to me. I've posted openly on my FB feed praising Trupanion. See below: Original FB Post August 1, 2016 From time to time you just need to give a big fat shout out to a company that is ethical and have amazing staff and services. This is one of those times. The company is Trupanion Pet Insurance. If you have a pet then please, please, please… consider pet insurance and this company. My multiple claims for Stewie’s tummy problem was just approved and they will be reimbursing me 90% of most of his medical expenses, which as you may know if you had been reading my posts, ran into the thousands. Every person that I had contact with in this company (Trupanion ) was compassionate, understanding, efficient and amazing! I can’t say enough about them. Because of the last pet insurance company I dealt with, I had some serious stress and reservations especially when the bills started to pile up – what if they deny all my claims like the last company making some poor excuse that it was some sort of pre-existing condition? This was their standard excuse every time I tried to make a claim. Their premium increased every year. (if you want to know who they are PM me – but their initials are P.C. - they have since changed their name) I thought this may happen again but it didn’t with Trupanion. They were true to their word, they didn’t try to make excuses to deny my claims. I was informed by email or telephone calls of my claim’s status. Everything was seamless and transparent. Stewie is still not 100% yet but he seems to be on the mend and I’m not sure whatever that made him so ill will happen again but I’m less worried that if it does (I hope not) I can get as much care as I need for him. I know I sound like a commercial but I assure you, I’m not getting paid or discount to say these things. There are so many crappy companies out there that when I do find a good one they deserve not only my praise but also my sincere gratitude and recommendation!
5

out of 5

POSTED: | BY: Jennine

Hope

Great customer support, fast return on the money I've spent, great coverage, I honestly can't thank you enough. I got pet insurance thinking I'd use it when our new puppy got old, little did I know I'd be depending on it to help keep her alive at only 6 months old. I don't know if she'd be here without you. 💕 Thank you
5

out of 5

POSTED: | BY: Ryan

Trupanion is required for any dog owner!

Over the past few years, we have really seen a benefit of using Trupanion. Our little dog ended up having 2 herniated disks in his back from jumping and it ended up paralyzing him. Trupanion made it possible to pay for the surgery needed and he's now enjoying life again! The folks at Trupanion were very helpful in ensuring both my needs and the needs of my dog were taken care of in a time of chaos. In addition, regardless of what Trupanion has done for us, just knowing that we can rely on them should anything come up, is very reassuring. Thanks Trupanion!!!

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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