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: Sherry Drasin

Trupanion

Trupanion is the best insurance by far. The personnel are knowledgeable about the products they offer, and are kind, compassionate and professional and truly care about the pet's and the pet parent's they serve. The prices are affordable and tailor each policy to the needs of each pet, on an individual basis. I highly recommend Trupanion to friends and family and anyone seeking pet insurance.
2

out of 5

POSTED: | BY: Maude

Delays Delays Delays

I signed up with Trupanion last November for my two senior dogs. One dog had a UTI within the 18 month prior window, so I am aware that any UTIs are considered pre-existing and will not be covered. That same dog ended up having to be admitted as her blood work returned abnormal kidney values, suspected kidney disease or addison's disease. Upon further tests, they found a blockage in her ureter causing urine backup into her kidney, which was then causing it to fail. This required surgery as soon as possible - quoted at 10k. Surgery was scheduled for 11a the following day, and required pre-approval from Trupanion as the vet agreed to have them pay directly to them. 12pm days of surgery rolls around and still no word. Turns out they were trying to relate her issue to the UTI, therefore not covering it. After multiple phone calls, my vet was able to push the request through and they approved. Surgery costs were to be paid directly to vet and any cost other than surgery (her stay of 5 days) I had to pay out of pocket and that would be paid to me. This was almost 3 weeks ago. They have not paid my vet and they have not paid me for my portion (6k). When I call to ask for an update, I get the same answer, that they are waiting on urine analysis results from my vet at the time of admitting. AGAIN trying to tie this to a UTI that was non-existent. I've spoken to three vets and all of them are dumbfounded as to how this is even a question with them.
5

out of 5

POSTED: | BY: Brenda Haggai

If you have a heavy chewer, GET IT!

We have two Boxers. They LIVE to chew and they chew HARD. The male, Malcolm, also likes to swallow the evidence. He has since he was a puppy. I had to hide every toy in the house for the first 5 years and get them out only when I had time to sit in the floor and play with them. He needed watching 24/7. He could not be trusted not to eat his toys. Even got the top off a black kong toy-- the hardest one! He has had to undergo I think, 5 intestinal surgeries in his lifetime to get the toys out. He nearly died once and has lost 8 inches in his intestine. The female, McKenzie, recently went through a very scary bout with Trigeminal Neuralgia and had to be put on a feeding tube, had a reaction to that and it took a long time to recover. Trupanion was there for us every step of the way. I have always counted on them and they have never argued or balked at any request. I highly recommend them to any pet owner. You never know what issues a new puppy might have.
5

out of 5

POSTED: | BY: P. McKim

Professional, honest, and caring company

My doggo was diagnosed with diabetes. Everything about it was stressful except for getting info from Trupanion. My deductible for her diabetes was almost met in one visit and soon Trupanion will start paying 90% of the expenses for her treatment for the rest of her life. I'm so relieved. When my other dog died, I called them and the receptionist was the sweetest, kindest person ever. Everyone there seems to actually care about their clients. It's not a tooth and nail fight to get what you paid for, unlike my human health insurer!
4

out of 5

POSTED: | BY: Kevin

They were very great, after a nudge ...

My wife and I adopted an older cat and put insurance on him the very first day. Since his history wasn't known or documented there weren't any pre-existing conditions. Unfortunately about 18 months in our boy started having health problems and things escalated quickly. He endured 3 emergency life saving surgeries in 3 months and it wasn't until the last surgery that the cause of all the issues was finally determined, he had cancer. We submitted our first set of claims and heard nothing. We submitted more claims, and still radio silence. I sent emails, and no reply. Finally when I was about $6,000 out of pocket and not a single peep from Trupanion, and having found out he needed another surgery I called their customer service line. The person was extremely helpful and in reading the timeline of events even she was surprised that it had been 5 weeks of waiting and nobody from Trupanion had done anything to advance the case. We ended the call with the rep agreeing to escalate the issue and she would call me back when she had information. A few hours later i got a flood of emails that my claims were approved and a check was in the mail and true to her word, that rep called me back. She didn't provide explanation or excuses but simply said the problem was resolved and any claim submitted moving forward would be handled within a more appropriate timeframe. Needless to say from that point on the claims process was flawless. We'd submit the claim and typically within 7 business days would have our reimbursement check. Our boy ended up passing away but all told trupanion probably covered somewhere around $15,000 in 3 months for his treatments. I'm disappointed that during this stressful time they made it my responsibility to monitor them and hold them accountable to do their job but once someone finally took accountability they were excellent.

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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