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: Beverley Dunbar

Cancer +$=death not this time!

When our big boy Yukon was diagnosed with osteosarcoma having the comfort of knowing that all the money we have paid into this insurance policy was going to be put to the test. It passed with 5 stars. Knowing one can afford to keep a loved one alive is the best and with no payment delays.
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1

out of 5

POSTED: | BY: Rachel Finlay

Gave up and Had to cancel

After enrolling both of my dogs in Trupanion when my Berner was just a puppy, I battled this company for 4 years before finally deciding I had to cut ties. When both dogs got a serious parasite infection and were in the ER..... it took MONTHS to get reimbursed after burying me in questions about my dogs' vet files that had nothing to do with this claim. They were in the weeds asking me about things I never claimed in the files, and I told them I chose not to....leave it as I would tell my dogs. Then every simple claim became a battle...… their deductible is supposed to be "per INCIDENT" but they treat it as "Per diagnosis:"....so when my Berner was scratching at his right ear and shaking his head 2 different times - that should have been 1 deductible and 1 incident. BUT they hit me with the deductible twice, and found every reason they could think of to not cover it. The number of exclusions, and items not covered were hard to even keep up with and were never explained......it became exhausting trying to ask and get explanations. The final straw was a dental claim - only my 4th claim on my dog - and they promptly doubled my rate. I now pay less for both dogs, then I was paying for just one with Trupanion. I will never look back!
4

out of 5

POSTED: | BY: Keith Watt

Beau's Claim

Arrowhead Vet Clinic is very familiar with your insurance. They looked after all the paperwork and explained how the claim would be processed.
4

out of 5

POSTED: | BY: Wendell Murray

Because your company has been easy to work with easy to file claims with is fast with claim response.

Because your company has been easy to work with, easy to file claims with, is fast with claim response. As a matter of fact, I just recommended Trupanion to a friend yesterday, but suggested she look at the list of best pet insurance companies because Trupanion did not rate in the top 3 when I put in my criteria.
4

out of 5

POSTED: | BY: Tony Balasubramanian

It's a nice service but your prices are rising every year and are starting to get out of line

It's a nice service, but your prices are rising every year and are starting to get out of line
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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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