Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,189

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: Lynn Babin

The worst company ever to Insure your…

The worst company ever to Insure your pet with. They love the term PRE-EXISTING.... They will take weeks to dig up the entire history of your pet so they do not pay the bills. Even if your dog in ONLY 10 months old they will say she had a PRE-EXISTING CONDITION.... wow!!
5

out of 5

POSTED: | BY: Cathy

We added Lily to our family in December…

We added Lily to our family in December 2019. We rescued her as a pup from texas and loved her the moment we saw pics of her. She was only a few months old when she started showing signs of pain /weakness in her back legs and was getting less interested in playing and even eating . We took her to our vet who ran some tests to rule out lyme disease and other possible issues. Perfect blood work, negative on the lyme disease. The next steps would be an x ray to check out her hips. We were saddened to hear she had a severe case of hip displasia in both back legs. Our vet didn't know we had insurance coverage and she was talking to us as though we would need to put her down because the costs are extensive and she would only get worse without surgery - even medication would only offer so much comfort. I can see how this can be the worst news a new pet owner can hear. She was only 5 months old after all. knowing we had the insurance, I called trupanion and asked some questions and can't tell you how caring the customer service advisors were and how much they really cared! We proceeded with surgery on both hips and Lily is doing so well today. She is running and playing and yes she has limitations BUT she has so much quality back from the surgery. Trupanion allowed us to focus on our pet and not on our finances. Thank you Trupanion for being there when we needed you!
1

out of 5

POSTED: | BY: Pat Randall

Won't cover expense because 13 week old puppy doesn't have old enough dental records.

Enrolled our puppy before picking him up and brought him home. Took him to the Vet one week later for a checkup where they said he needed dental surgery. Trupanion won't cover the costs because they didn't have a baseline for an 8 week old puppy. Not worth the highest insurance rate I pay (higher than truck, house, life insurance etc). Will be canceled and cannot recommend
5

out of 5

POSTED: | BY:

Trupanion is amazing

Always fast very kind to talk to. Very informative and Always listens. Best insurance you can get.
5

out of 5

POSTED: | BY:

Trupanion - Your other companion.

Great response from Trupanion and great response time with no hassle. Absolutely recommend your company to anyone.

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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