Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,150

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: Guy Furoy

I am not one to ever run to social…

I am not one to ever run to social media but feel this is truly unjust and i will be cancelling this policy. My puppy attended the vet hospital on Feb10/2021 received a vaccine and the vet completed the paperwork and the puppy was deemed to have passed the standard puppy exam with only noticeable malocclusion, an under bite common in Shih-Tzu breeds. After passing her exam, I subsequently, I adopted her on the same date. On Feb21/2021 I enrolled Bandit in Trupanion as my daughter has been a long time client of yours for her two pets and recommended it. Bandit was doing very well like any other puppy and I had no way of knowing any health issues and the vet that examined her also did not have any reason to suspect any health issues. On March 3rd/2021, I took Bandit to the vet as she had vomited a lot through the night. On March 4th, the vet took x-rays and discovered that Bandit has Megaesophagus. Thankfully she is doing well, as I have built a special feeding chair "Bailey Chair" and there's a 25 to 50% chance she will grow out of this since she is a puppy. Either way she is a thriving growing puppy and may not need any further medical treatment for this condition. Megaesophagus is very manageable if you feed them properly with due care for vertical position during and post meal. Trupanion denied the claim and any future medical treatment deemed to be associated with this condition or any complications citing the waiting period. I appealed the claim denial as I would like to have this filed as coverable in the event she ever needs more medical treatment in the future. The claim was denied. This is truly unfair, as this is a puppy and no one would ever have known of any pre-existing condition. I am cancelling this insurance and would never recommend Trupanion!
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4

out of 5

POSTED: | BY:

With Covid issues and trouble getting appointments with the vet I had trouble with a claim.

With Covid issues and trouble getting appointments with the vet, I had trouble with a claim. While it was eventually resolved, I am worried I will have trouble on future claims and feel I might be spending money on insurance that I would have been better to save for such emergencies. I would definitely tell people to research Trupanion's insurance. Also, their monthly fees go up dramatically on their yearly review of your pet's insurance depending on where you live which to me, seems wrong, as this is a North American wide insurance company and basing fees on location is definitely penalizing people who live in cities where services are often more expensive that smaller towns or rural areas. I believe they cover more than other pet insurance companies but read the fine print.
5

out of 5

POSTED: | BY:

VARY NICE AND HELPFUL

VARY NICE AND HELPFUL
5

out of 5

POSTED: | BY:

Great customer service

Trupanion is user friendly! Really easy to make a claim and it is processed fast.
5

out of 5

POSTED: | BY:

Great Client Service

Trupanion is always available to speak to clients if there is clarification needed for any reason. The submitting of a claim is very easy to do and our claim was handled quickly to our satisfaction. Great company. Thanks
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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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