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.
5

out of 5

POSTED: | BY: Gail

This indeed is a company that delivers extraordinary service!

This indeed is a company that delivers prompt service while their representatives extend a caring, respectful responses to my queries. I’ve recommended Trupanion to numerous friends and acquaintances.
5

out of 5

POSTED: | BY: Kimberley (Kim)

Exceptional customer service and delivery on promise

In May of this year our 3 1/2 year old golden doodle Bogey had to have emergency surgery to repair a blockage in his bowel (because he views the world as his buffet!) after 10 days of vet visits, hydration procedures, special foods, ultra sounds, xrays and blood work. To the cost of $11,000 Cdn. The only relief I had during this period was knowing that I had purchased Insurance through Trupanion, starting when Bogey was a puppy. Once we paid the bills and Bogey was recovering, nervousness then started to set in about Insurance coverage due to some horror stories I’d heard from friends re other pet insurance carriers. I needn’t have worried. Truly. Because this wasn’t a pre-existing condition with Bogey, his insurance covered everything as outlined in the policy purchased. Further, I placed two phone calls to them as I initially started the insurance receipt upload process through their portal and both times I received empathetic, wonderful calming advice from their reps. While I hope no one has to experience trauma with their fur family member/s, I implore you to have insurance and specifically, Trupanion coverage. The peace of mind of having the coverage may be the only bright light in the process.
5

out of 5

POSTED: | BY: Melody

No regrets

We have had a number of health issues with both of our dogs and Trupanion has always come through for us. Our most recent health scare was a bout of cancer. After surgery and 30 days' radiation, the total bill was over 25k. Trupanion paid 90% of it, just like they advertise. All we were responsible for was 10% of the subtotal and taxes (they never pay the taxes).
5

out of 5

POSTED: | BY: Ryan

Lifesavers!!

Lifesavers!!! I recommend you to everyone I meet that’s expecting a new pet!
5

out of 5

POSTED: | BY: JC

Excellent Coverage

Did not expect to need this coverage as soon as we did as our dog is only two years old. Very happy we had it, costs escalate very easilly

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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