Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,141

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: Jenny

Get Pet Insurance, and Get it with Trupanion!

Four years ago I got my first giant breed puppy, a "Saint Dane" named Dino. We did not have health insurance for him, I simply never thought about it. He was diagnosed with elbow dysplasia at 6 months old. We paid $5,000 for the first surgery, only to find that the surgeon didn't fix the problem, so he had to go in for a second surgery, which was around $3,000. Dino's health spiraled out of control from there, with infections, skin problems due to an undiagnosed thyroid issue, and then... he tore an ACL. It was another $5,000 surgery for the first ACL tear. A year later, another ACL tear and another $5,000. Long story, short, when he was 4 years old, the elbow infection returned, and the antibiotic we gave him ruined his liver, and we had to put him down. Besides losing the love of our life, we were somewhere around $30,000 in the hole over the course of four years.When Dino was still alive, we got our second giant breed, a great dane. I immediately enrolled her with Trupanion. While I haven't had to use her insurance, the premium is so affordable and the peace of mind so great, I will forever keep her covered. Determined not to let our terrible experience get us down, we did research and picked out a different Saint Dane breeder who had zero health problems that we knew of in her lines. We bought two more Saint Dane puppies, flew from CA to CT and back to get them because they were supposed to be healthy, and just in case, I also enrolled them into Trupanion's coverage, expecting and hoping to never have to use it. I have three large dogs covered, along with rehabilitation for them, and my monthly premium is absolutely affordable and worth every penny. As luck would have it, one of our new puppies, Faith, was diagnosed with double hip dysplasia at 8 months old. She needed another one of those very expensive surgeries. Due to the financial situation surrounding our first dog, we were in no place to be able to cover another giant orthopedic surgery. If it weren't for Trupanion's coverage on Faith, we probably would have had to have put her down. But, Trupanion has really come through for us. They immediately pre-approved her bilateral FHO surgery, and they followed through with every promise of coverage. They are more timely, responsive, friendly, and helpful than any company I do business with. They are truly remarkable. They stand by their word. There are no loopholes - what you read about is definitely what you get. After spen
5

out of 5

POSTED: | BY: Kim

Amazing customer service!

Quick and efficient service from processing claim and more importantly the follow up and genuine caring and compassion towards my precious puppy, husband and myself.
1

out of 5

POSTED: | BY: Sandra

Denied!!

After being denied a claim at Emergency VetI am so disappointed with Trupanion. They said it was preexisting. She has never vomited blood, or had blood in stool. They need to not advertise "Pet insurance helps protect your pets if they EVER become sick or injured" Because it is not true!! At least they only got 8 months of premiums out of us! What a racket!!
5

out of 5

POSTED: | BY: Meliza

Excellent medical insurance

Really helpful staff even better than my health insurance when it comes to filing claims.
5

out of 5

POSTED: | BY: Mindy

Quick Response

Following a serious illness requiring over night stay in Vet ER Trupanion quickly paid their portion of bills which were extensive. Greatly appreciate they are here to assist with my beloved pet. THANK YOU!

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 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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