Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,149

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: J. Knoll

Give credit where credit is due...

Give credit where credit is due... I had a couple of phone calls with Trupanion regarding the breeder rider program just recently. My initial phone call was just some basic questions and information about the program, fees, deductibles, etc. And had a great chat with the representative. However, they forgot to inform me of enrollment dates and waiting periods, with breeding females specifically, despite that I had mentioned critical information. Not the end of the world but I was a bit panicky... I reached out the following day to request a manager to go over the information and my call was not returned. I phoned back today and spoke with Kevin Miller, a manager. He was fantastic to deal with, friendly, and very approachable over the phone. He listened attentively to my long garble of information but took my concerns seriously. He let me know he would look into the matter for me and call me back. A few hours later Kevin calls back to let me know that he was going to update my policy/enrollment date (with back pay to that date, which I was completely ok with!). Fastest delivery of some top-notch customer service. I really can't thank Kevin enough for the hard work he did today to rectify my mundane situation. It is hard work being a responsible and reputable breeder, and Trupanion should be recognized for the support that they offer - especially considering it is the only pet insurance that helps cover that. Thank you Kevin and thank you Trupanion for making that difference!! Game changer.
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5

out of 5

POSTED: | BY:

When I phoned I received answers to my questions right away

When I phoned I received answers to my questions right away
5

out of 5

POSTED: | BY:

Very Nice and good service

Very Nice and good service
5

out of 5

POSTED: | BY:

I doubt you will print it all

The claim was well handled and very fair. Only concern I have is we pay $249.00 per month for the two dogs we have. The claim we had was paid $549.00 out of just over $700.00 bill from the vet. That is fair. Have not had any other claims for a long time but still pay $249.00 every month. Very high
1

out of 5

POSTED: | BY:

Unlikely to renew or recommend.

Inconsistent application and explanation of deductibles during claims and pre-estimate process, including application of when an expense item qualifies as an non-claimable "exam fees" or not. What's sold as 90% on all conditions coverage has a huge caveat that the underlining cause has to be the same and all accidents are treated as individual, unrelated incidents even if result in same condition. Condition eligible for 90% has to be chronic. All news to me 4 years later with no claims paid out.
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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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