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: Jennifer Bosch

Thank Goodness for Trupanion

We had a wonderful chocolate lab Maia who needed surgery for a tumor which turned out to be benign but was very costly and we had no insurance Towards the end of her life she would get diabetes which was another costly health issue. When we got our new Jack Russel puppy Rex we made sure to get Trupanion insurance just in case. We have use it a few times for minor issues over the years, but vet bills can be costly so having Trupanion has been great. Most recently, Rex is 6 years and gets into mischief. He got into some granola with raisins which can be toxic for dogs, so emergency and followup ran up to over $400. Then 5 months later he would get into a veggie mix with onions, another food toxic to dogs and another ER visit. We are happy to say Rex is healthy. Having Trupanion is a blessing. We have no deductible and they pay 90% of covered charges in a quick manner. Thank you Trupanion!
3

out of 5

POSTED: | BY: Scott Ballard

Bait and switch?

I must state at the beginning that Trupanion has been good with the ease of claim filing and claim responses. But one of the reasons I selected Trupanion was because they spouted that premium rates wouldn't go up due to your pet's age or type of illness. Of course the premiums did go up due to "higher costs from vets", "upgrading the policy" and/or pick a convenient excuse. My premium has more than doubled since its inception. Now my only recourse is to cancel and find another insurance company or play the up-your-deductible, lower-your-premium game. Very disappointed. It's a shame the CEO's, CFO's, etc. are ruining an otherwise good company just to line their pockets.
1

out of 5

POSTED: | BY: JW

Trupanion or Truscam...

I had my dog at the vet for her annual vaccines and a checkup, when my dog was examined, the vet found a broken tooth. They submitted a claim to TRUPANION , and they agreed to pay up to $1400. I set up an appointment , and had the Tooth extracted a couple of weeks later. I paid the the Vet my portion (less what Trupanion paid). 5 days later, I received a letter from Trupanion. They have reevaluated the claim. According to my dogs records, she had gingivitis on her teeth when she was 18 Months old. Therefore, we can not cover a broken tooth...... The letter also tells me to go back to the vet and pay them what they originally agreed to pay.
5

out of 5

POSTED: | BY: Dee

Thankful for Trupanion

I love my pets and take full responsibility for them. In saying that, it is very difficult to say no to treatment that can help them due to illness or injury. Veterinarian treatment can be very expensive. As I did not have insurance with my border collie, whom I spent an enormous amount of money on veterinarian emergency bills. I decided to purchase pet insurance with Trupanion for my multipoo. Recently my multipoo injured her knee (cranial cruciate ligament rupture). The claims were put through to Trupanion by my vet and the veterinarian emergency hospital. There was no fuss and no drama from Trupanion and the claim was paid within days. I am so thankful for Trupanion and recommend it to anyone who has a pet. Premiums are a small payment per month but in the long run so worth it. Thank you Trupanion.
5

out of 5

POSTED: | BY: Kim

Fast

I love the quick email responses once a claim is submitted letting you know your claim has been recieved, followed shortly by an email telling you your claim is processed. Usually recieve payment in just over a week!
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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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