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: Elaine

Exam Fee Coverage

As you can see from my files, I just lost my one cat due to bladder problems, and now that her sister has the same problem, it very much upsets me that each time I have to take her in for an emergency type exam to see what's happening, I have to pay the $85.00 exam charge, each and every time, which has been twice already in the past couple of weeks, just for the surviving sister alone. I totally understand that exams are not covered for yearly checkups, needles, or for any non-threatening reason, but when your pet has to be rushed in for something you already have noted on her file that she suffers from, it doesn't seem fair to the pet owner, to pay out-of-pocket for this exam charge EACH AND EVERYTIME, which in my case could be a weekly occurrence. I purchased the most amount of insurance I could in order to have what I thought, would cover anything that comes along; ESPECIALLY EMERGENCIES FOR DIAGNOSED CONDITIONS. I'm on an old-age pension that doesn't go far, and this frequent additional $ 85.00 exam charge that can unexpectedly pop up anytime with her, will mean some staple I will have to go without. I don't think this is fair; especially when I adopted these two as kittens, saving them from being put to sleep due to the over population of cats. Rescued animals, or animals living with life-threatening conditions SHOULD BE COVERED.
5

out of 5

POSTED: | BY: Carrie

Calls

As I have had numerous calls with Trupanion over the last few days, it would be great if these surveys specified date and time of call so I can remember who I was speaking with...also, just a side note, I find your call waiting music to be a bit too much, you should try something a bit calmer, as most people who are calling in are dealing with some serious issue with their pet and the music can be off-putting
5

out of 5

POSTED: | BY: Lucy

Great service,

Great service, very timely response and quick turnaround on claims and their payment.Thank you!
5

out of 5

POSTED: | BY: Roberta

always friendly,

always friendly, claims are processed quickly without any difficulty :)
5

out of 5

POSTED: | BY: Pooyan

Excellent coverage,

Excellent coverage, customer service, and claims process
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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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