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: JIN/Julia

Trupanion has been always great…

Trupanion has been always great supporter for journey with our boy. There were lots of panic moments when he had to check in to emergency . I was crying out badly while I was explaining the situation to trupanion over the phone. since I was so afraid I am going to loose my boy, I couldnt speak straight but trupanion member patiently listens to our situation support me emotionally to stay strong. Not only financially, Trupanion members are best emotional supporter for pawrents when they are in desparate moments.
5

out of 5

POSTED: | BY: Rebecca Yetman

Customer service excellence

The gentleman that I had was fantastic. He answered all questions I had as well as I few i never thought to ask. Also he was polite and friendly. Excellent knowledge of insurance program and made you feel like you were speaking with a friend. Considering I've managed a team of 13 employees for 6 years I'd love to have someone represent themselves and company as well as this guy did.
4

out of 5

POSTED: | BY:

Customer service was great but I've dealt with them before and there seems to be disconnect between the claims team and the CS reps.

Customer service was great but I've dealt with them before and there seems to be disconnect between the claims team and the CS reps. Typically we get very little new information and then have to wait again for the claim to be resubmitted, then wait for them to analyze it, and them get denied for some reason that is not entirely clear and the explanation on the claim is very terse but non informative. For example, we have twice (on two different invoices) been denied, citing "do not cover exam fees". The invoices state clearly in all caps that the treatment is "PHYSICAL THERAPY", for which we have coverage. This second go around, the CSR identified that it was miscategorized as "wellness care" instead of "physio"... on both invoices from separate dates.... twice. Hopefully they are able to analyze it properly this time as we're not paying for coverage for nothing and I've got about 50+ years of complaining left to do.
5

out of 5

POSTED: | BY: Elise Zaracoff

Everyone has been nice to deal with.

Everyone has been nice to deal with.
5

out of 5

POSTED: | BY: Lina Miranda

Excellent Communication

great customer service

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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