Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,876

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: T kedar

very helpfull and quick to process

My standard Doxie got an unknown virus that ended up her in the hospital for 2 days and took over 2 weeks and 2 different vet hospitals (had to change for labor day weekend. She's great now and trupanion had not issues with the different bills and different hospitals. They realized it was the same claim and everything was processed and check in hand within 10 days.
3

out of 5

POSTED: | BY: alice jena

ok, but took long to get the money

I mailed all of the claims into the address. The company claimed that they were not received. I had to call, and then pay for faxing the forms. The faxing came to over $27.00. The i DID GET THE MONEY. But the exams that were related to the condition were not covered.
5

out of 5

POSTED: | BY: Winnie

Annual Premium Update

It's that time of year again, the Annual Premium Update and an increase of my premiums - OR SO I THOUGHT, when I got the e-mail. To my surprise, when I opened the e-mail - ready for the bad news of a rate increase, I was more than pleasantly surprised to see that my MONTHLY PREMIUMS WENT DOWN!!! Thank you, Trupanion!! I was ready to get mad and threaten to change carriers (I can't take a rate increase EVERY YEAR!) until I opened my e-mail!! Trupanion is true to their word - they compare premiums with other carriers and then offer the lowest rate. I've never needed to file a claim and I hope I never have to, but I believe that if that day ever comes, Trupanion will be there for me - and my Pug.
5

out of 5

POSTED: | BY: F. Nagata

Very quick at processing claims.

Unfortunatley I've had to lean on Trupanion a couple of times and all I can say is that their call in center has wonderfully helpful staff, they process claims within a couple of weeks and their website tools for claim status and submission are very easy to use.
4

out of 5

POSTED: | BY: Judith Sanchez

Captain ear hematoma

I have an 8 year old Weimaraner named Captain. He developed a hematoma in his right ear. I took him to the vets and surgery was recommended. They said it would take 6 weeks to heal. It was quite a long 6 weeks,he was bandaged and very uncomfortable throughout his healing time. He had to be prevented from shaking his ear. The whole process was expensive and agravating! The only bonus was that Trupanion kept up with his dignosis and charges and notified me of everything. After it was over, I was reimbursed all monies over my deductable. It was simple and fast with hardly any effort on my part. I would recomend Trupanion to anyone with a pet because life will throw you a curve when you least expect or can afford it.
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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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