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: Liz Braun

Wish my insurance company was this good

Fast, friendly, and reasonable. I would not be able to afford the care my dog needs with out them.Thank you Trupanion
5

out of 5

POSTED: | BY: Ruth Ann

The BEST thing we did for our Puppy!

Our 7 month old puppy, Zoey, was diagnosed with right hip dysplasia and needed major hip surgery. Trupanion approved the claim right through the vet who submitted the claim. Easy, simple and no hassle. A claim representative even called us to confirm the approval and assure us that everything would be handled. So happy that we chose the best pet insurance company!!
5

out of 5

POSTED: | BY: Cherry Moskalik

Trupanian is the bees knees!

I have a dog insured with VPI and one with Trupanian, there is no comparision. Trupanian is a dependable partner in maintaining my dog's health, they respond to claims with an email confirmation, and I have had claims settled in under 24 hrs, never more than 3 days. Compare this to 2 weeks to 1 month for VPI. Claims are paid promptly, and at the level expected. I adore Trupanian and will be a loyal customer for future pets.
5

out of 5

POSTED: | BY: Natalie

4 cats!

With four cats who are all heading toward senior-ville, we are making more frequent trips to the Vet and sometimes to the Animal Emergency Clinic. I can't count the times I've said, "Thank goodness we have pet insurance," since we've had some huge bills. Having the insurance helps us keep our foursome healthy and for that, we're grateful.
5

out of 5

POSTED: | BY: Angela

Outstanding Service

On Aug 29 I adopted a cat, Buster, from Northeast Animal Shelter. A week after bringing him home he was being admitted to the Massachusetts Veterinary Referral Hospital with upper respiratory issue/ possible lung issue. While sitting in the hospital waiting for Buster to be examined, I remembered at the time of adoption, NEAS advised we get a month free insurance with Trupanion Pet Insurance. I called Trupanion, on Aug 06 at around 9pm, and advised my cat was being seen and evaluated for difficulty breathing and I was wondering if this is something they would cover. Brendan, the representative that I was speaking to, was very caring and compassionate and advised he was going to start a pre-approval and I should have an answer by 7am the following morning. I received a call the first the next morning advising they are working on obtaining an estimate from the hospital and will provide me with an answer shortly. About two hours later, they called back and advised my pre-approval was approved. Buster remained in the hospital for a few days and was discharged on 09/09/2015 at 7:00pm; with a final diagnosis was feline asthma. The hospital submitted a statement and a claim form for me to Trupanion for reimbursement. On 09/10/2015 in the afternoon, I received an e-mail from Trupanion advising my claim was approved and a check was mailed out to my address. Buster’s hospital bill was $2670.12 and I was being reimbursed by Trupanion in the amount of $2,003.26. This was an emotionally and financially stressful situation I was in and I am so incredibly pleased and thankful with Trupanion. Everyone representative I had the pleasure speaking with was friendly, courteous, compassionate & caring. They treated my pet’s illness as though it was one of their own. Their response time was astonishing, they received my claim form and had my reimbursement check mailed out in less than 24 hours.

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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