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.
3

out of 5

POSTED: | BY: Jim Jabara

Was forced to put my cat down due to abrupt health issue doctors felt it was likely a heart attack or blood clot or perhaps both.

Was forced to put my cat down due to abrupt health issue doctors felt it was likely a heart attack or blood clot or perhaps both. You're denying my claim due to a pre-existing condition which had nothing to do with her death.I am not happy your decision.
2

out of 5

POSTED: | BY: Fred Arnow

A completely insensitive company.

Horrible situation. After having Trupanion recommended by our pet's cardiologist, his clinic helped us sign up. Our dog had been covered since birth by a competitor, but this specialist, and our regular vet felt Trupanion was a superior company. When we submitted our first two claims, they were both rejected as "preexisting conditions." One of the two was for dental work. Apparently Trupanion found that the dog had been treated for tartar, and they would not consider any future dental work. They were happy to accept our money, but there was absolutely no rational logic demonstrated by any customer service representatives, even after appeals by the veterinarians.
5

out of 5

POSTED: | BY: Emily Betz

Trupanion has saved me thousands of dollars!!

When I bought my new puppy to the vet, she recommended Trupanion. The first month was free and they would cover any problems after I signed up. This was seriously the best recommendation I have received financially. After about two months, it was obvious that something was wrong with our puppy. After extensive tests and a specialist visit, it was determined that our baby had a liver shunt. He was eight months old and was the size of an eight week old puppy. The testing, surgery, follow up etc. cost over $5000. Trupanion paid 90% of it. I had only paid three months of premiums at $31.00 each month and they still paid for it. Within two months of returning home, the little guy had a freak accident in the yard and broke his leg. Of course, he required surgery. Guess what? Trupanion shelled out another $1200+. I thought for sure they would cancel us, but they have not. The service is second to none. I receive a check within two weeks of submitting a claim. I would highly recommend this company ( I already do to everyone). Even if my dog never has another problem, I will keep this insurance because I have never had a better dealing with an insurance carrier whether it be medical, dental, auto, home, etc.
3

out of 5

POSTED: | BY: Wilda Chang

coverage

Premium oral hygiene chews for Dogs vegetarian type is not covered by insurance.Yet, my dog is allergic to all other animal/fish chews in the market. We go through one bag $25 per 4 weeks as per suggested by his vet. In my opinion, this item should be covered. Cost for rotten clean, nothing to chew on will have more insurance claim down the road for a middle age dog.
5

out of 5

POSTED: | BY: Geraldine OConnell

Best Pet insurance

I have had another insurance in the past, and they were reasonable but ltd to how much a claim can be plus very slow in paying out, Trupanion has been extremely fast paying, I love the unlimited amount you can claim, every claim I have ever made has been fast and directly to my back, I would highly recommend Trupanion as the top provider of dog insurance and I have 3 dogs insured with them .
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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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