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: Nirin Gierbolini

A wake-up-call. Our fist puppy, Bandit got sick

After many many months of discussing the possibility for our family to become pet owners, we made the decision and adopted a male Morkie. We named him Bandit. Bandit is so cute that we couldn't resist but to LOVE him at first sight. As you can imagine (first time pet owners) he was (still is) the center of attention at our house. Since he was our new "baby" we wanted to make sure he was healthy so we schedule his first vet appointment asap. The appointment went well and our Bandit got his first round of vaccinations during that visit. The staff at the vet clinic discussed all the necessary information in order to make sure we knew how to take care of a puppy; to include pet insurance, Trupanion. To be honest, I looked at my husband and asked, pet what? insurance? why do we need to purchase that for? To make the long story short, I wasnt convinced but decided to enrolled Bandit immediately in the 30 day trial to get some time to do more research. Guess what? the next day, Bandit got sick. We didn't know what was wrong or what to do. I called the vet clinic but they were closed. They recommended for us to take him to the Emergency Services Clinic immediately. After many hours of examination, the vet decided that Bandit needed to spend the night at the clinic and proceed to give me a possible diagnostic and an estimate of the cost for her services. At that time, I understood why having pet insurance coverage is so important. Never in my life felt so good about purchasing
5

out of 5

POSTED: | BY: Lisa Oliva

Excellent

Trupanion is one of the best choices I could have made. Vet submits bills and reimbursments are received promptly. Wonderful.
5

out of 5

POSTED: | BY: Patty

Trupanion is the BEST

I brought Halo into the vet as soon as I noticed her heavy constipation. She was actually yelping in pain when trying to pass. After taking an xray, it was determined she had to stay at the vet for several hours to relieve her. Luckily, I was able to pick her up that evening and watch her closely at home. My vet filled out and sent in my claim form. The next day I received an email from Trupanion letting me know my claim was received and they were working on it. 2 days later, I received an email stating the coverage, reimbursement amount less my deductible. I do NOT regret getting coverage for Halo.
5

out of 5

POSTED: | BY: Rosalie Dunmire

Jack

The claims process was simple & easy
5

out of 5

POSTED: | BY: Heather Prittie

Trupanion had our backs when surgeons saved Darwin

Darwin, a very large golden doodle, has a very simple rule: all toys are mine. Playing in the off-leash enclosure near our home, he greedily grabbed two balls with his gigantic jaws. As we tried to remove them (and return them to their owners) we all noticed that yet a third one seemed to be missing. It couldn't be found. We suspected he may have swallowed it in his determination not to give the toys back. We took him to the vet's for an X-ray. It showed nothing. Although we weren't convinced, his behaviour and health were completely normal, week after week. We eventually concluded our fears were groundless. Then, an astonishing 6 months later, he began vomiting and collapsed (and had lost 10 pounds from his usual 100). He was rushed to Canada West Veterinary Specialists, where the amazing surgeons found a soft, very compressible "whiffle" type toy (with holes in it for treats) was lodged in his abdomen, with lining of stomach growing into the holes. It was dire, and we were told he might not make it. But those surgeons are very skilled - they saved him, removing 20% of his stomach. He has made a full recovery. It was a horrendous couple of days...made much more bearable knowing Trupanion had our backs. I have told countless people about the advisability of pet insurance, and how fantastic the service is. We are very grateful.
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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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