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: Ronald

Pancreatitus

My female dog became lethargic and had not eaten and was not drinking water and was not having bowel movements for about 4 days. My veterinarian checked her for all possible causes and concluded that she had Pancreatitis. She was given antibiotics and started on a catheter for additional fluids. The vet followed her care for 3 days until she was well enough that she started eating again. My bill was submitted to Trupanion who paid all but the 10% and examination within two weeks. I am extremely satisfied with Trupanion for their quick response to the bill and also my vet who very professionally diagnosed and treated my dog.
5

out of 5

POSTED: | BY: Morgan

Excellent; no questions

Our 3 year-old male has FLUTD which requires on-going care and attention. Trupanion coverage has taken some of the anxiety out of caring for a pet with a chronic condition. In the long run, coverage plus deductibles are likely equal to the cost of treatment, but it's never a sudden financial drain.
5

out of 5

POSTED: | BY: Katie

Worth it!!

I enrolled Cannoli my 9 year-old Siamese-- really without any reason to-- his health was 100% perfect. Five months after enrollment, I felt a weird little lump while grooming him. Long story short, he had a mast cell tumor and had to have surgery. He's doing great now! I wish I had not set the deductible so high just to save truly a FEW dollars each month..Trupanion does not cover the exam fees, so I had to pay the $650 deductible and exam fees. Those items plus the surgery came to $1999 (which really isn't bad!); Trupanion reimbursed 90%, which all told came to a bit over half of the total. Still great! Just wish I'd set a lower deducible. I recommend really doing the math when you are deciding on your deductible. Oh- and I got the check before the stitches were out!!
5

out of 5

POSTED: | BY: Kathleen

Peace of Mind

I come from a family of people who have always believed in insurance. It was a no brainer to get put insurance on my golden retriever when she was three months old for those just in case situations. When she got very sick a few weeks, it was great not to have to make decisions based on money. Maddison is part of my family and I never want to have worry about whether or not I can afford to take care of her. Thank you to Trupanion for making it easy.
4

out of 5

POSTED: | BY: Sherry

Please take another look

This was the first direct billing that my Vet had done.The original estimate was between $1300.00 - $2000.00.It included a blood test to make sure that there would be no complications with our Morkie and the anesthetic.This was approved by Trupanion. The blood test showed a little bit of an elevation in regard to the liver.So the Dr.did a bile acid test to ensure there would be no complications during the PL surgery because of this.The bile acid test was not on the original estimate of procedures.We were charged $65.80 as a separate bill (or 2nd claim)with the understanding that if our dog has any problems with his liver $65.80 of our $300.00 deductible has already been paid.That is ridiculous!The vet took extra precautions to ensure that my dog would be alright during his PL operation.The high end total that was approved was $1841.43...the bill submitted with the $65.80 charge for the bile acid test was $1630.83.This was well within the approved perimeters and was associated with the PL problem in regard to the amount of anesthetic. Which may or may not of caused problems during the operation if the vet had not done his due diligence.REALLY! Now we have to remember for the next 12-15 years that we have a credit on our deductible...but only if it is a liver problem....if he ever even has this problem. Your policy needs a little leeway in some situations. If there had been complications it would of cost you more than $65.80! Client ID:15154 Invoice #:141026 Policy# TC0001569686
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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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