Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,140

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: Jarrett

No hassles & Very pleased

TruPanion Canada gave us no trouble when we had to bring our Chihuahua in for a wheezing/bloating issue. The vet had a few concerns regarding both and ran some blood work, x-rays, and performed a full exam. We have a top tier coverage from TruPanion, and though pricey on a monthly basis, it was worth it when we needed to use it. The claim was submitted and TruPanion approved it within moments, there was no hassles, no arguments, no run around's it was done which made it much easier on our pocketbook as a thousand dollar bill was halved. Thank you to TruPanion for the coverage you provide, our little pup is back home and were happy to know that she is getting the best care possible (and feeling better) for her thanks to TruPanion.
1

out of 5

POSTED: | BY: A

Good luck getting any sort of claim coverage

I would not recommend Trupanion to anyone. We have a French Bulldog who is now 5 and needed the BOAS surgery. Trupanion refused to cover it claiming it’s a “pre-existing condition”. Our vet fought them on this because there were no signs of this during her initial check up as a puppy but it’s a breed specific condition that can come up during their life so they still denied it. We went ahead with the surgery as she was having difficulty breathing and after some complications, she’s now fully healed, breathing normally and living a much better quality of life. Our vet has been fighting with Trupanion for several months and even Trupanions rep said it’s ridiculous not to cover this but low and behold, they have denied all of our claims. Our vet has exhausted all options and we’re left paying for a crappy insurance provider so we have “peace of mind” but they deny about 70% of our claims with some sort of excuse. Our premiums increase every year (with or without any claims). To top it off, they have told our vet that starting next year, they are going to “quietly” deny all claims related to a breed specific condition. Again, I wouldn’t recommend them. 0 stars if possible.
5

out of 5

POSTED: | BY: Lacie

You guys are amazing.

You guys are amazing. Always so kind and always cover everything we've needed for Hudson thus far. The worst thing is having your pet sick then have to fight with someone on the phone over an insurance claim. I'm so grateful to have never spoken to anyone nasty since I've had trupanion.
5

out of 5

POSTED: | BY: Marilyn

Dental helpful

Wish that it had dental coverage
5

out of 5

POSTED: | BY: Alison

We are very happy with tge plan we have AND we have always received excellent service

We are very happy with tge plan we have AND we have always received excellent service
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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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