Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,883

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: Tyson Schoeber

Expensive but there when we needed it.

Our three year old English Cocker Spaniel stopped eating a few months ago. After several days eating next to nothing, we took him to the vet who diagnosed pancreatitis -- a potentially fatal condition. After the initial examination, Trupanion paid 90% of the remaining costs for the treatment and medicines he needed. Simon got better but has to eat special food for the rest of his life. Trupanion has continued to pay 45% of the cost of this food.
1

out of 5

POSTED: | BY: Naomi

Trupanion Heartache

I had a one year old dog with zero pre existing conditions. She was playing in my fenced in back yard and that night couldn't jump on the couch. I took her to the emergency where they did x-rays, and told me to see an orthopedic specialist. I did and they diagnosed her with bilateral torn ACL's. They told me not to worry that it obviously isn't pre existing based on the x-ray report, and their exam. First, they accused me of insurance fraud because this accident happened in my first 30 days. Then they took so long giving approval/payment for the first trip to ER that I went ahead and did the surgery. After 6 weeks of the initial visit they approved that. Then, they declined her injury based on the x-rays 6 weeks later on her post surgery. So yes, six weeks later it is pre existing. Lets try looking at the x-ray report the day we went to the emergency when it happened. That is not pre existing, and they admitted to me they never got the report. So they didn't even get all their paperwork in 6 weeks time, but it doesn't matter they just needed some excuse the deny the claim because it was too much money for someone who just applied to their insurance. Hopefully, no one else's pets will have an accident when you first get insured!
5

out of 5

POSTED: | BY: Kurt &

Fantastic Customer service

Trupanion has been a pleasure to deal - we are mid-way thru a very long recovery of our Dog Maddy after 2 torn CCLs...preparing for her second surgery in the weeks ahead. Trupanion has been a supportive & compassionate insurer allowing us to focus on Maddy's recovery & rehabilitation. The staff has been very helpful, informative & pleasant - we are pleased to see a company take what they do seriously & strive to maintain transparency in their policy - be consistent in the coverage you signed up for & not blind side you with hidden fees or rate increases because your pet has had an accident. Well done, your group is top notch in our books & we will continue to share our great experience with other pet owners!
5

out of 5

POSTED: | BY: Lynda

Trupanion comes through again

Great company and great service. claim checks are received prior to my credit card bills. I had VPI for 15 years and they made up their own amounts what a service should cost. Trupanion pays 90% of the claim not what they think the claim should be. Wish I found them sooner
5

out of 5

POSTED: | BY: Rebecca

Great Service

I have been utilizing my pet insurnace since March 2014 and haven't had any major issues. I have had to call to inquire about the status of something or inquire about specific details, all of which have been resolved quickly.
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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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