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.
1

out of 5

POSTED: | BY: Christopher Gavin

Customer service was very kind but your company made a determination that my pets condition was preexisting that is Monday morning quarterbacking and was not apparent to me or my vet when I first took out the policy.

Customer service was very kind but your company made a determination that my pets condition was preexisting that is Monday morning quarterbacking and was not apparent to me or my vet when I first took out the policy. Your all too happy to take my premiums but won't pay out on claims.
5

out of 5

POSTED: | BY: Amit Vaid

We love Trupanion's support.

We love Trupanion's support. They have been there for us all the time. We are forever grateful. They let us give the best care for our pet without worrying about money.
1

out of 5

POSTED: | BY: Jacalyn Danton

The condition of a laceration with poor healing or in Sophie"s case due to low platelets.

The condition of a laceration with poor healing or in Sophie"s case due to low platelets. Several months ago Sophie was treated for complications of platelets which resulted in rectal and lower bowel bleeding also due to platelets. When I took Sophie to Boca Vet, Dr Hack said that her lesion was not healing quickly enough, and she recommended suturing the wound to aid in her poor healing. I had just paid $1,000 to cover her deductible for poor healing.[platelets] This cut on her back was not healing properly and that's why a scratch needed closure. I didn't have another $1,000 to cover another deductible for the same underlying cause. Now I cant get the VET to explain what I've said is correct but I am not wrong. I've been a physician since 1976 so I know the function of platelets. I will find another Vet but whether I get a new insurance company will depend on if you get another hematologist to analyze what I*'m saying. If Sophie's cut was fresh and not compounded by poor healing, then I would agree that this was an unrelated occurrence. That was not the clinical situation in this case and I fault Dr Hect for not stating the clinical, hematological truth. If you will reconsider the coverage I will take her to Coral Springs Hospital for revaluation..I await your revaluation. Thank you.
3

out of 5

POSTED: | BY: Don March

Still waiting on resolution of a claim submitted weeks ago.

Still waiting on resolution of a claim submitted weeks ago.
2

out of 5

POSTED: | BY: Vanessa Gmur

She was not very friendly

She was not very friendly
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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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