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: Travis Meier

Thank you so much for being there for us!

You guys (Trupanion) have been not much less than a godsend for us with our little guy. I know insurance is always picked up, hoping for the best and preparing for the worst, but for us you have come through in spades. Both in coverage, and ease of getting claims processed. I have absolutely been recommending your services to family and friends who have or are thinking about getting pets. Thank you so much for being there for us!
5

out of 5

POSTED: | BY: Cherrie Miller

We are so happy with the ins.

We are so happy with the ins. When Rosie,s bowel got nicked during spaying procedure and she was going to die We had to go to a special hospital to have emergency surgery. This was an expensive place and unexpected bill but Trupanion took care of the bill . Rosie is grateful too.Everyone who knew what we were going through thought we should put her to sleep but with the special hospital and Trupanion ins. We were able to afford to get her the best care needed Rosie is a very healthy chihauhau and has more energy than10 Chihauhaus. Again thanks to Trupanion ins.and good veteranians God Bless
4

out of 5

POSTED: | BY: David Rivas

Not satisfied with the +30% premium increase.

I'm still VERY not satisfied with the +30% premium increase. Very unreasonable increase.
4

out of 5

POSTED: | BY: Chelan Donaldson

Narin helped as much as he could and I am waiting for it

Narin helped as much as he could by confirming that my last claim for Leroy is under review and I should hear something soon.
4

out of 5

POSTED: | BY: Clif Curtis

My only issue

The only issue up for discussion was whether or not I needed to send to inform Trupanion of my visits to another vet than Friendship Hospital for Animals that I had been using before using Dupont Vet late last year. I came away from the call with the view that it was not necessary for my dog's plane travel costs. There was no injury or health problem costs involved. Just a certification of good health by the vet, and the airplane charges for travel in the cargo hold.
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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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