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.
1

out of 5

POSTED: | BY: JERRY MIXON

TRUPANION INSURANCE NOT YOUR COMPANION

IF I COULD GIVE THIS COMPANY 0 STARS I WOULD. BEFORE SETTING UP OUR POLICIES (BY THE WAY THE HIGHEST ON THE MARKET $79.A MONTH EACH DOG) I WENT THROUGH MY DOGS MEDICAL RECORDS THROUGHLY WITH THE COMPANY REP. SHE ENSURED ME THAT NO OF MY CONCERNS WERE PRE EXISTING MEDICAL ISSUES AND THAT MY DOG WOULD BE COVERED IF ANY INJURY OCCURRED. WELL LOW AND BEHOLD MY DOG WAS INJURED AND EVERYTHING WAS PRE EXISTING. NOT COVERED, NOT EVEN CLOSE!!!!! TAKE NOTE IF YOU HAVE TIME READ THE ARTICLE IN THE NY TIMES ABOUT PET INSURANCE ITS WORTH THE READ, ITS ALL A HOAX, BIG MONEY MAKING OPPORTUNITY FOR THE INSURANCE COMPANY. 10-20% OF ALL INJURIES ARE REALLY COVERED. WE INVESTED A TON ON MONEY INTO TRUPANION INSURANCE TO ONLY BE DENIED OUR CLAIMS. TAKE THE MONEY YOU WERE GOING TO PAY FOR INSURANCE AND PUT IN INTO A PET EMERGENCY SAVINGS AND YOU WILL COME OUT WAY AHEAD.....WE WOULD HAVE ACTUALLY HAD MONEY LEFT!
5

out of 5

POSTED: | BY: Sue Dale

Trupanion is the best thing you can do for your pe

After 9 years with Trupanion I am totally happy with the service and care I have received. I have a Dachshund that I purchased coverage for approximately 9 years ago. That is the best investment I have ever made. He started having neurological problems when he was very young. I had to take him to the animal emergency room. This turned out to be a very expensive visit. We submitted the records for neck and back disc problems and the claims were paid without any problems. Now years later they are still paying claims for this condition. He has also been diagnosed with pancreatitis and gastritis. They have always expressed care and concern for my best friend. All claims are handled efficiently. I am very happy with my Trupanion Insurance policy and the Company.
5

out of 5

POSTED: | BY: Dave Serna

Glad I Used Trupanion

Trupanion was recommended to me when I picked up my rescue kitty. She had a couple of problems in the 4 years she was with us, but the couple of times we needed to take her to the ER they were on it and helped me get everything taken care of quickly and with little to no fuss. If you have a pet or are thinking of adopting a pet, I would recommend trupanion, they are a fantastic company and everyone I have spoken to has a love and understanding of being a pet owner. When i lost my kitten to something unknown (her little heart gave out, doctors didn't know why) I received a card with hand written, not printed notes of condolences from several people at Trupanion, this gesture showed me that this company is one I will always support and tell others about when they are looking for pet insurance.
5

out of 5

POSTED: | BY: Kathryn Power

Highly recommend!!!!!

I can't begin to explain how amazing trupanion is! They direct bill with my vet office, they've never refused to cover any issue that has gone on with my two giant breed boys, they check in on my boys too!! If you need pet insurance, look no further, trupanion is THE best you can get!
5

out of 5

POSTED: | BY: Cindy

I would do a commercial for Trupanion

My dog has had bouts of a serious illness and even though I've had to worry about his recovery, I've never had to worry about Trupanion quickly processing my claims. I recommend them when ever the subject comes up.
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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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