Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,144

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: Caitlin

Reg. Vet Tech here.. Shame on you Trupanion!

One of Trupanion's number one marketing claims is that you only pay a deductible ONCE PER CONDITION. Well today I found out that that is not actually the case. My cat had a dental with extractions in 2014 and the CONDITION that he has that causes his teeth to need to be extracted is Feline Odontoclastic Resorptive Lesions. This is a genetic, immune mediated condition that cats get and have their whole lives. Yesterday, I sent in a claim for another a dental with extractions, the reason he needed extractions this time? You guessed it! Feline Odontoclastic Resorptive Lesions.. so I was absolutely shocked when it came back as being applied to my deducible. Applied to my deductible?!? I already paid that back in 2014. When I called their customer support number, the girl on the phone told me that it "was like having an ear infection 3 years apart from each other, they aren't actually the same condition". Well as Registered Veterinary Technician I say that is 100% BS! Anyways, I am waiting for someone to call me back but I suspect I won't get anywhere with it. I though Trupanion was different but apparently they are just like all the other insurance companies out there. Do yourself a favour and do what I should have done.. work out what your monthly premium would be and put it into a high interest savings account.
5

out of 5

POSTED: | BY:

Awesome!!

I didn't know what to expect upon my need of your company with a claim. I can't say enough good things about you. The vet hospital took Franks policy number and everything was looked after by the stafff there. I was so upset by my dauschunds condition I was not capable of dealing with the paperwork. I didn't have to and your company was speedy with an approval for the vets request for surgery etc. Frank was in surgery within 4 1/2 hours from paralyzation and I feel that this is so important to his recovery. Again, you have come thru with post-op therapy. Thank you. Our bills are over $8700 at this point and I have paid about $2200 only. I would not have been able to afford all these bills on my own. Best thing I have ever done getting insurance.
5

out of 5

POSTED: | BY: Jessica

Excellent financial protection for your pet

Trupanion offers straightforward and reliable coverage in addition to excellent customer service and a very well-designed website. Both my husband and I are veterinarians and we could not afford our veterinary fees without Trupanion.
5

out of 5

POSTED: | BY: Vanessa

You NEED Trupanion

This is my second review and it probably will not be my last because I cannot stress enough how fantastic trupanion is. They have been life savers for our family. Trupanion is very straight forward clear and simple no hidden rules no loop holes no crazy catches. They are fast and do not give you any run around when filing claims and getting reimbursed for medical costs. Also their customer service representatives are patient compassionate and very informed. Oh and another good thing once trupanion is with you they are there for life! They won't drop you because your pet is actually really sick.... imagine that?! So yes I love trupanion I could go on and on....thanks trupanion for making it possible for us to provide the care our little penny needs to literally stay alive on a daily basis. Penny is our 7 month old boxer she has pancreatic insufficiency and needs pancreatic enzymes for the rest of her life...and let me tell you they aren't cheap...wouldn't be able to do it without trupanion! Thanks again Trupanion! - Vanessa G. And Penny (the boxer)
5

out of 5

POSTED: | BY: Sandra

Trupanion is fantastic!

Trupanion has been there for me and my 9 mos old puppy who had to have extensive surgery on her hind leg. The recovery period for the puppy will be 4 mos. The Vet Clinic faxed the claim and Trupanion e-mailed me immediately that they were reviewing the claim. Within the next 3-4 days they emailed me that claim was approved and check was on its way. This was a 4K surgery and Trupanion paid the 90%. I was ecstatic! Anytime I have called Trupanion they have been very professional and exhibit a true caring for animals. I have had many pets and this is the first time I have purchased pet insurance. I would recommend Trupanion to any pet owner.
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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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