Trupanion Canada | Pet Insurance Review

9.4

out of 10

23495 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 9.6
  • 9.6
  • 9.4
  • Count
  • 401
  • 4491
  • 23495
Trupanion insured pets lead longer, happier lives*. The Trupanion policy provides best-in-class medical insurance coverage for your pet that can be used at any veterinary hospital in the United States, Canada, and Puerto Rico – ensuring your pet is protected wherever you may be. Trupanion is the only provider than can pay your veterinarian directly at the time of checkout. This benefit helps you from having to fill out extensive claims paperwork or wait to be reimbursed. A Trupanion Pet insurance policy has unlimited payouts on claims. They do not increase rates for filing claims. While some providers may drop coverage when a certain number of claims are filed, Trupanion never will. The Trupanion policy does not increase rates just because your pet ages and their policy allows you to enroll your pet from birth for true lifelong coverage for your pet.   *‘Based 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. 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.  
10

out of 10

POSTED: | BY: Kathy

claims

I've sent in many claims and have oly good service with all of them
10

out of 10

POSTED: | BY: Shalon

TOTALLY AWESOME UNBELIEVABLE

AMAZING ON HOW QUICK THE CLAIM GOES THRU WHEN FAXING IN YOUR CLAIM. SO MY EXPERIENCE HAS BEEN FAXING MY INJURY & ILLNESS CLAIMS FOR MY PRECIOUS ENGLISH BULLDOG.
10

out of 10

POSTED: | BY: reggie

outstanding

We submitted our bill and within a week we received an e-mail telling us that we would be reimbursed $730.35 out of a bill of $859.50. The exam fee of $48 was not covered. Then we received 90 per cent of our bill.
10

out of 10

POSTED: | BY: Debra

Great company

I never believed in pet insurance because & heard such horror stories about it. A friend of mine did some research & talked me into getting Trupanion. I picked my own deductable which made my premiums affordable. I only had the insurance for 5 months or so when my Pom injured her patella. I submitted a pre-approval claim with all the information they required, & they got back to me in a day or so & approved an estimate of $3184.00. I had the surgery, submitted the final invoice & had the check in a week or two. I was amazed. Trupanion made a believer out of me!! In the future, I will insure every dog I have, but only with Trupanion. I know I probably sound like a commercial for the company, but my experience was that good!!
10

out of 10

POSTED: | BY: Crystal

Includes coverage for food!

Great coverage at 90% and even covers prescription food at 50%!

Monthly Cost

Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and zip code. Monthly premiums do not automatically increase just because your pet has a birthday or just because you file a claim.  

Coverage

90% coverage for all new injuries and illnesses—once the deductible is met, Trupanion pays 90% of the remaining invoice.

Coverage for all hereditary and congenital conditions, as well as hip dysplasia without any additional waiting periods.

Alternative therapies, such as acupuncture, physical therapy, hydrotherapy, are available under the Recovery and

Complementary Care Rider.

Trupanion pays off the invoice, no “usual & customary” limits and has the ability to pay your veterinarian directly and in as little as 5 seconds. You simply pay your portion at check-out and Trupanion works with your veterinarian directly to take care of the rest. Needs* varies by state disclaimer.

 

Payout Limits

Unlimited lifetime coverage with no payout limits or caps.

Deductible

Offers a flexible deductible from $0 – $1000, to fit any budget.

A lifetime, per condition deductible meaning that once the deductible is met for a condition is met you policy begins paying out at 90% for anything related to that condition for the rest of your pet’s life. *This is great for chronic conditions that can span the entirety of a pets life such as allergies or cancer.

Age Limits

Pet must be at least 8 weeks old and under 14 years old to enroll.

Once enrolled, pets stay insured regardless of age and coverage will not change.

Can enroll your pet from birth until their 14th birthday.

 

Waiting Period

Coverage begins 30 days after date listed on policy.

 

Exclusions

Pre-existing conditions are not covered.

Alternative therapies are available for an extra amount.

Terms and conditions apply, please see Trupanion.com for full coverage details.  Trupanion is a registered trademark owned by Trupanion, Inc.  Underwritten in Canada by Omega General Insurance Company.

 

Trupanion’s biggest differentiator is that they can pay your veterinarian directly and in as little as 5 minutes. With the vet direct pay option, there is no waiting weeks for reimbursement. You simply pay your portion of the bill and Trupanion takes care of the rest, working directly with your veterinarian. Trupanion offers one simple plan that pays 90% of actual veterinary costs for eligible claims once your deductible for that condition is met and offers unlimited lifetime coverage with no payout limits or caps.  

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