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: Leah MacLellan

Awesome service

The people you have working for you are efficient and helpful. I can't say enough good things about your service and company to friends and family. Thank you for being there when I needed you guys.
5

out of 5

POSTED: | BY: Rick Ottenstein

Great to have when you need it!

Trupanion pays their claims without hassle. As a medical provider it is nice to deal with an insurance company that pays claims correctly and without having to constantly resubmit. Does pet insurance save you money? Probably not unless your pet has catastrophic health issues. I have been paying for years and nearly cancelled, but kept it going. My dog Maggie developed some tumors, one of which was a malignant mast cell tumor. After the deductible we received reimbursement of 90% of all the expenses within two weeks. It even reimbursed 90% of medication costs. The real value of having the insurance is you don't have to decide between your pet's health (and/or life) and your finances when your pet needs a lot of medical care. Things to understand: The policy does not cover for the cost of the initial visit to diagnose the problem. It also has a deductible (you choose the amount which in part determines the monthly rate) which is per condition. Mine is $50.00. So your first visit for a condition will likely not reimburse a lot if anything, but after the initial diagnosis and deductible, that condition is reimbursed at 90% for the life of the pet. At least that's how my plan works. Their may be other programs that work differently, I just don't know
5

out of 5

POSTED: | BY: Angel's dad

Blessings

My dogs sickness was at first a near fatal situation. I wanted to do everything I could to save her. Triuanion gave me peace of mind to do whatever possible to save Angel. We are six weeks into her treatments and recovery and she is slowly begining to show signs of the furry ball of energy we are use to. I believed from the start that God would spare Angel. She will be four November 11 and serves as a therapy dog for my dear elderly friend who is 5 years post stroke and 89 years old. The people at Trupanion are caring and professional. Trupanion is a lifesaver and a blessing. Gratefully, Alabama Joe
5

out of 5

POSTED: | BY: George Aranda

Thank you Trupanion durung these hard times!

We've had Trupanion since we got our dog, Ferris, when he was 1.5 y/o. He was born with idiopathic megaesophagus and requires feeding via a g-tube becuase his esophagus doesn't work. Unfortunately this was considered a pre-existing condition and not covered; thus we've encountered much expenses. Alas this is not a burden but an honor to do for our baby. All was well till recently when he was diagnosed with lymphoma. I was scared because there is no real cure and also because of the costs. I didn't think Trupanion would cover anything and was about to cancel it. But the Lord takes care of his children. Trupanion covered the sick visits, work up, specialist, hospital stay, medicines and all chemo and immunotherapy treatments! Thank you Trupanion for helping during these difficult times and letting us concentrate on our baby instead of expenses. The hospital told us they see numerous pet parents that cancel their insurances rght before horrible/expensive diagnoses and then it's too late; parents don't think they'll ever need it or that Trupanion will cover things. We're now recommending to everyone to get Trupanion as soon as possible (preferably at young ages) and never to cancel. Our family and Ferris thank you Trupanion!
5

out of 5

POSTED: | BY: Gloria Hamilton

trupanion was there when we needed them

We had only been with Trupanion two months when our puppy required an overnight stay in the Calgary north hospital. Tests were run and Iintravenous was administered. Trupanion came through as promised.
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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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