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.
4

out of 5

POSTED: | BY: Susan

I would have given 4.75 stars - wonderful service, but terrible phone wait times

I would have given 5 stars, because everything was excellent and smooth, and it is such a blessing to have Joseph's health bills taken care of. You are the best insurance plan we've ever had, because you take away a lot of the stress and worry of having a sick family pet whose vet bills couldn't possibly be paid any other way. It is wonderful that you pay the vet directly. Joseph has had massive vet bills with two major health crises over the past year, and there was no way I could have covered the costs and surgery and lab tests. The only reason for 4 starts (and I would have given 4.75 stars if I could) is the long wait time whenever I tried to phone you over the past two weeks. The first two times I was on hold for 25 minutes, and gave up. The third time I was on hold for 20 minutes, but put the phone on speaker and took it with me into the shower and while I was getting ready to go to work. This is not a good thing, when there is some urgency to seek pre-approval before a medical procedure can begin. But on the whole, thank you thank you thank you! Quick payments, and wonderful insurance coverage!
4

out of 5

POSTED: | BY: John

The best thing about Trupanion is the…

The best thing about Trupanion is the direct pay to my vet. The payments are paid out quickly and headache free!
5

out of 5

POSTED: | BY: Valerie

Trupanion has been with us since we…

Trupanion has been with us since we picked up our Annabelle 6 1/2 years ago and we couldn't be happier with the company. With Trupanion taking care of her insurance needs we don't have to worry about the financial aspect of owning a Chinese Shar-pei. They have been with us through a major eye surgery, mast cell tumour diagnosis and surgery, and many more long term medical conditions. Thank you Trupanion!!!
5

out of 5

POSTED: | BY: Connie

We were leery of pet insurance of any…

We were leery of pet insurance of any kind. However, our vet's office directed us to Trupanion and, wow, are we ever glad they did. Reps couldn't be more helpful or kind. Claims are approved and paid out rapidly (now totalling near $10,000). We feel blessed to have been directed to Trupanion, and could not be happier with them in every way.
5

out of 5

POSTED: | BY: Shawna

Trupanion has been there for my pet…

Trupanion has been there for my pet throughout his life with minimal questions asked, easy to claim. So thankful!

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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