Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,162

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: Bill

First claim

We have had the Trupanion insurance for 3 years now and had to submit our very first claim. It was so easy and hassle free. Our Vet faxed over the necessary claim form and within 48 hours we had received email notification that the claim was received and being reviewed. A few days after that we received notification that the claim was approved and what the reimbursement would be. We then received the reimbursement check about a week later. I would recommend this insurance to everyone.
5

out of 5

POSTED: | BY: Amy

Must have for puppies!

When I adopted Riley two years ago, a good friend suggested that I get pet insurance. I honestly didn't think I would need it with a such a young dog. Thankfully I signed up with Trupanion, it's turned out to be one of the best decisions for the health of my dog and my pocket book. What I thought was a a leg injury turned out to be severe brain swelling. Luckily Riley is receiving treatment from the best of the best and I don't have to make decisions based on money. I filed his claim and less than a week later, I received approval with a message that the check was in the mail.
5

out of 5

POSTED: | BY: Linda

a very very good insurance

Trupanion has taken care of our 10month old border collie girl and reimbursed our expenses very well. They do take a long time to send out the reimbursement check from the time they e mail you that it's being sent out; but they cover well. Their customer service is great on the telephone too.
4

out of 5

POSTED: | BY: Emily

Great coverage, premium hikes are absurd though

We have had pet insurance for our French bulldog since he was three months old. He has had one major surgery (brachycephalic airway surgery) and also a major ear infection caused by skin allergies. Both of these health issues would have cost us thousands of dollars out of pocket. Trupanion's coverage has saved us a ton of money. They pay their claims very quickly (usually I get a response within a day or two of the vet submitting the receipt and payment by check two weeks later) and we have never had an issue with getting reimbursed for his health issues. My one complaint with Trupanion is that their annual premium hikes are extremely high. We had the same rate for our first two years of coverage and as our policy is set to renew, our premium has increased by over twenty percent!! They claim that this is because of rising healthcare costs in our state (NY), but we haven't certainly noticed those level of increases. We would recommend Trupanion, but buyer should beware that your premiums can increase quite dramatically from year to year. For a dog prone to health issues like a French bulldog, pet insurance is an absolute must.
5

out of 5

POSTED: | BY: Diane

Service prompt and hassle free.

The claim was handled in a timely fashion and was hassle free. This was the second toenail she had torn out in the matter of months. At 12 years of age she still loves to chase the ball and with the spinning and turning her toenails sometimes get caught in the grass. Trupanion came through on the claim with flying colours.
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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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