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: Tera Curren

Your company is excellent!

Your company is excellent! Your customer service team is the best. The policy itself worked very well for me when my cat became terminally ill. I'll start another policy w you when the time comes. Thank you
5

out of 5

POSTED: | BY: Andrea Luma

Trupanion representatives are very courteous, knowledgeable and are very pleasant to work with.

Trupanion representatives are very courteous, knowledgeable and are very pleasant to work with.
5

out of 5

POSTED: | BY: Nancy Copeland

I wouldn't know what to do without …

I wouldn't know what to do without Trupanion I literally saved thousands. They are amazing ,the customer service is fantastic and they give very quick payouts . I recommend them to everyone .
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5

out of 5

POSTED: | BY: Kimberly

Trupanion paid claims very quickly

My 5 YO lab has a degenerative retina disease and required surgery for cataracts on both eyes. Trupanion processed and paid my claims within a week for over $6000. There was of course a co-pay but they paid 90% after that. I have not purchased pet insurance in the past but glad I did when my dog was a puppy.
1

out of 5

POSTED: | BY: deborah long

dissatified

More than have my claims were denied..My 10 year old min Schnauzer was diagnosed with anxiety in October 2016.. His medicine is 53.00 each month all denied for payment by trupanion At the time this rider option was not available when I took out my policy..My dog had surgery to remove tumors from his left inner eyelid and inner hind leg. Surgery was on April 12th claim submitted just a few days later.. Iam still waiting.. Is always in open status or being reviewed Probably waiting to get a few more monthly payments out of me first My vet has said several owners of patients in her practice have not been impressed..and had negative experiences along these lines. At the time I bought a policy they were basically the only game in town not anymore, lots of others to chose from. His anxiety medication was disproved after they made me submit documentation numerous times with the excuse they couldn't make out the paper work. Once it was straightened out it didn't take them but 2 days to deny the claims after weeks and weeks of requesting I resubmit the paperwork multiple times
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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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