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: Lynn Luongo

Very supportive

I found the whole team very supportive during the claim process. My pet's issue could have been so much more serious than what it turned out to be. I was a little stunned by my pet's ordeal. I could not remember how to file my claim, and the agent was really kind and took everything over the phone and started my claim. They kept me advised of the status of the claim. The claim was processed in less than 2 weeks. I had trouble reading the claim summary, and again the team was very patient and understanding in helping me understand the claim summary. So with their help, I only had to worry about caring for my pet, and getting my little one healthy again. Thank you all!
5

out of 5

POSTED: | BY: Myranda

Fast and Efficient

Our claims were processed so quickly with the refund to us in less than a week. With all the skin issues our poor little mutt is having it is nice to have a company that understands the urgency to get our claims processed. At this point as we put out so much money it's nice to receive some through our trupanion claims.
5

out of 5

POSTED: | BY: Deanne Titterington

Fast, easy and exactly as described upon start-up!

Our 6 mo. old puppy Super Grover ( Shephard/ Great Pyr.) took advantage of a chaotic situation and got into the trash on Thanksgiving. He grabbed a ball of tinfoil (a split second is all it took) and swallowed it before we could remove it from his mouth. We were away with family in Maine called the emergency vet on call at home. They walked us through all the signs and symptoms of distress we should look for. He was passing it for a few days until Sunday at 4am. He began vomiting and a good amount of tinfoil was expelled. At this point we rushed him to an emergency vet in Maine to see if he was stable enough to get home. He was and we were able to bring him home to our go to emergency hospital in MA. They were able to do X-ray's Bloodwork and clear Grover with specific discharge instructions. During this time the hospital was able to help us begin a claim and start the process. We were pre-approved and the hospital submitted the final paperwork necessary. We received a confirmation email the next day and a claim check within a week. We were skeptical of pet insurance in the past but after having a dog in the past with many medical issues, We felt it would be worth it to try. When we adopted Grover he came with a one month free trial. After some deliberation we decided it would be worth it to try. We very happy with that decision and could not be happier with the service we have recieved so far. We have spoken to customer service representatives on a few occasions who have been professional and curtious. We would highly recommend this company to anyone with an animal.
3

out of 5

POSTED: | BY: Annoyed Customer

BEWARE

While they have great customer service, the rate hikes are outrageous. Nothing has changed in my pet's health condition but I just got notice my rate will be going up an astronomical 20% next month. I get that rates go up every now and then but this is ridiculous. Not impressed.
5

out of 5

POSTED: | BY: Dottie

So glad I chose Trupanion for Romeo

I never had pet insurance before, nor did I have a pure bred dog before. In 2012, both changed. Romeo, our Lhasa Apso came into our lives and came with insurance. Our vet advised that it would be a wise thing to have because you just don't know. Well she was right, Trupanion was right there for me when Romeo had a stomach bug and a $616 vet bill. The staff was caring and courteous. I sent my claim and in less than 2 weeks had my check for almost half of the expenses. I am grateful for Trupanion.
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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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