Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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: Thea Salopek

Trupanion is the best thing that i have…

Trupanion is the best thing that i have for my little Shih tzu.They are there 24/7 helping you financaly when you need them the most .Do not wait enrol today for a health of your Baby and the pice of mind .Also Trupanion pay directly your bill so there is no wory for you I stromgly recomended Trupanion Do not wait enrol today Warm Regards Thea Salopek
5

out of 5

POSTED: | BY: Andy Chen

Peace of Mind

I haven’t yet had to use my insurance for my mixed terrier jasper but it is very reassuring to know that he will be covered if he ever has any issues
3

out of 5

POSTED: | BY: Nicole Embree

New to trupanion

So far I ha e not had to use my trupanion insurance but was an easy transition from previous.
1

out of 5

POSTED: | BY: Dorcas Ma

Worst claims experience I have ever…

Worst claims experience I have ever had. Submitted a claim more than two weeks ago and nobody followed up. Called them twice within the two weeks and they only said someone is following up and is going to call me back. No one ever call me back. Called them again and they say did not receive doctors note from vet. which I could have called and requested. So I called the vet. And get all documents they needed. Few days later claim still pending. Called them and they say they “just” received them now and is going to review the claims soon. They never promised a timeline for getting things done. And when they say they are going to call you back they never did. I am not concerned about the money I have to spend I am just not happy with my experience and the way/ process of treating claims. I am seriously considering terminating the policy.
5

out of 5

POSTED: | BY: Chris Clark

With having pet insurance!

With having pet insurance, it has saved us money on veterinary bills and also peace of mind that others , especially Trupanion, cares about our Deezal. I have spread through word of mouth about this insurance and always highly recommended Trupanion!! Thank you for being there for our Fur Baby!!🙏🙏🙏

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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