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.
1

out of 5

POSTED: | BY: Mel Simmons

free trial -not really free

The free trial is really false advertising. The fine print says no claims will be paid during the first 30 days of sign up. Therefore - not really free is it? Its false advertising. My puppy came with a free trial and when I could not activate it, then I called in and was told that it only activates upon visiting the vet first and then activation within 24 hrs of that visit. So I went to the vet with them, then I registered them online. A week later, one of the puppies had low sugar and diarrhea. Trupanion wont cover the vet emergency as they said I did not activate the certificate within the time period (which I did according to the rep on the phone) and secondly, it is a precondition? Since when is low sugar and diarrhea a pre-condition? my pup stopped eating. I didn't know there was such a thing as precondition. Then the final thing: No coverage in the 1st 30 days of activation of certificate for free trial? Isn't that the point of free trial to get coverage and see if we liked it. I had registered to enrol further after my emergency visit and now I am going to remove all my pets from this insurance company. I have been led to believe that insurance is insurance, whether trial or not. I don't like to be falsely mislead.
5

out of 5

POSTED: | BY: sheryl

Fast and efficient

My Henry has had numerous claims with Trupanion. The most recent have been within the last two weeks. He had pneumonia and then a few days later was hospitalized with pancreatitis. Trupanion handled my claim quickly and efficiently. There was a small error where they forgot to include medications in the payment but one phone call and it was taken care of right away. Henry also has epilepsy and every claim relating to his epilepsy is handled promptly. Customer service reps are always pleasant and easy to talk to.
5

out of 5

POSTED: | BY: Lauren Gargano

Excellent

My Greyhound initially went in for a broken leg last year. March 2014. He was in an external fixator for seven months, followed by Osteo bone cancer and needed his leg amputated. Following amputatiom he has been on chemo and is ongoing. Throughout this entire procedure, Trupanion has been excellent and has gone beyond my expectations. They have helped make a horrible situation better by providing us excellent service, compassion and handling everything in an extremely timely manner. I submit them a claim via email as within the same day or following day they responded with an apology and that they are working on the claim. Then by the following day they send me another email saying the check is on its way! From the time I submit my claim to receipt of check it's usually within one week, quite unbelievable! Also since this is continuing claim even though a year prior I have only had to pay my deductible upon the original injury and then 10% of each claim. I have been going to an animal specialty hospital since March 2014, sometimes three times a week and for the first seven months between two and three times a week and now going once a month. I've met so many people and heard about their financial problems concerning their pets injuries and it's amazing to me how many of them do not know about pet insurance or have had bad experiences with it. Trupanion I have spread the word and spoken very highly of you so out of your kindness and generosity , I hope more of these people come to you so they can afford to take care of their beloved pets. Words cannot thank you enough
5

out of 5

POSTED: | BY: Mary Cleaver

Trupanion is a partner in Dakota's care

Anyone that has a pet, needs to have insurance. Not only is it a valuable investment , it give you piece of mind and support when you need it most. When considering insurance look no futher than triupanion . We can not say enough positives about how we have been treated and how they stand behind their product and word. They are a real partner in Dakota's care
5

out of 5

POSTED: | BY: Trina Jackson

Trully Blessed

As we age so do our precious little pets who are part of our families. Our Yorkie is now 7 and has had some issues is doing well. With Trupanion pet insurance, it gives our family the comfort of knowing that if an accident or unforeseen occurrence happen that you are there to help us. We really appreciate you.
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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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