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: Duane Strayer

Great experience with Trupanion

Our 10 month old PWD was ultimately diagnosed with a hematoma on his spine, requiring (very expensive) surgery. The hospital was able to direct bill Trupanion for all covered expenses with no questions asked whatsoever. When there was a small glitch with a pre-approval, a real live person from Trupanion phoned us at home to give us an explanation, and then another follow up call was made to confirm our understanding. Can't say enough good to describe our experience with Trupanion. Job well done!
5

out of 5

POSTED: | BY: Ximena Duarte

Great and Reliable

My little Chihuahua was having pain and after narrowing it down to something in her mouth, but bring soo small we made the desicion to put her under general anesthesia to throughly investigate and take X-rays not knowing what it would be. We submitted a pre approval to trupanion and after finding that she needed to have many non vital teeth removed on the moment, i needed up with a huge bill tot pay. The vets office submitted the final claim, which I had already fully paid, via email and I was reembursed within 48 hours (I had already set up direct deposit on a previous claim)I am thankful for trupanion as I was able to take care of Mia right away which was my priority
1

out of 5

POSTED: | BY: Dave

Very poor customer service! Look elsewhere

We have been insured for years by trupanion (5+). We rarely have exceeded the yearly deductible. I recently tried to contact an agent to change my plan. I emailed and called to leave a message. I received no response. Today I was informed my policy does not cover rehab. We are trying to avoid invasive surgery. I escaleted to a manager when our claim was rejected. The manager politely explained that there was nothing she could do about this rehab but would sell me a rider to cover any future conditions that are non existing. Great insurance and business like manner. However, there was no effort to help us with this claim. No goodwill effort in consideration of the thousands we have paid in premiums. She explained that the contract is very clear and written at a fourth grade level. no need for them to explain the need of additional riders or any exclusions as i signed up on the web. No need for them to call and follow up to see if we had concerns or questions at any time in the past number of years. Too bad that i tried to contact them and that they never responded. So now i am searching for another company. I will contact vets in my area and any animal associations as well as social media. I will suggest people not use trupanion. I will use social media and i will write reviews. I will also see if there is any legal remedy. I may be one dissatisfied customer but i am sure there are others equally frustrated.
5

out of 5

POSTED: | BY: Kirsten Fenton

TruPanion never disappoints!

TruPanion is the most reasonable insurance company I've ever dealt with. First of all, the customer service reps are FRIENDLY and KIND. Unlike auto insurance or health insurance cs reps who can be downright rude. TruPanion is fast and organized! They get your claim and immediately keep you updated on the claims process via email. I don't have to spend hours on the phone trying get through telepromts to find out the status of my claim! The underwriting is done so well because I've never been declined. They lost the conditions and situations very clearly and when they pay up, they pay a large percentage of your vet bill (almost all of it, depending). The best experience I had was when my 11 year old Maltese went into cardiac arrest and I called to see if they would cover my emergency procedures. TruPanion PRE-APPROVED me for $5,000 even though the estimated bill at the time was half of that. They were extremely kind and compassionate during this difficult time.
5

out of 5

POSTED: | BY: Colin Peer

Consistently fast, accurate, and WORTH IT!

My English Bulldog is 5 years old and has been covered by Trupanion since we brought him home as a pup. This insurance has paid for itself at least twice over. They cover exactly what they say they will and everything is stated very clearly in their policy. They are always quick to reimburse me and they have even pre-approved charges for surgeries I had scheduled ahead of time. They communicate with me and with the veterinarians very clearly and quickly and they require very little time and effort when putting claims in. I tell everyone I know with pets to use Trupanion and everyone who has taken my advice has thanked me for the suggestion. I honestly could not have had a better experience with them so far. The monthly premiums for pets in my area have gone up, but they have also gone down! Overall it's been an increase, which is to be expected, but I couldn't believe when they told me the rate would be going down for a while. This is one of the easiest companies to communicate with and they have saved me a lot of money. I can't recommend them enough.
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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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