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: Carol Anderson

Quick and Painless Claim Process

I find the Trupanion claims process to be quick. I submitted a claim and it was processed the next day and my claim payment was in my account in 2 days. I received emails with the status of my claim and detailed explanation of what is covered or not and why. For a condition which a claim has already been processed, completion of a long claim form is not required so no need to repeat information that you have already submitted. I have received this level of service each time I have a claim for my 2 dogs. I am very pleased.
5

out of 5

POSTED: | BY: Roz

Unbelievable

I have reviewed in the past and Trupanion continues to amaze me with the coverage and speed of payment. My little guy would not be here without them!
5

out of 5

POSTED: | BY: Norm Baile

Russell Dodici LOVES Trupanion

Our bulldog, Russell Dodici Bailey, has been covered by Trupanion since his very first vet appointment. And Trupanion has been with him every step of the way since then. When he had breathing issues and had to have palate surgery, Trupanion stood beside us. When he ate headphones and foam rubber, resulting in two nights in the ER, Trupanion stayed by our sides again. Most recently, recurring eye ulcers required entropian eyelid surgery, and yes - Trupanion was there for us again. Russell doesn't know them by name, but he knows them by the quality of life he has. And WE certainly know them by name. Trupanion has been at our side every day, and we will be their happy customers forever.
1

out of 5

POSTED: | BY: Tim

Waste of money!!

We just took all of our pets off this scam . denied after following our vets directions since we got her. Save your money in the bank like the other review I read .. We wasted 6k on our pets before we had any problems that needed them. Speak... Denied .. I'll be telling everyone cost me 6k , I hope their decision will cost them thousands more..
5

out of 5

POSTED: | BY: Sheila Veniot

Prompt Response--- Caring Attention

When my beautiful little cat,Sunni-Girl was diagnosed with multiple allergies, Trupanion promptly OK'd coverage of long term treatment. It was such a relief! It's been a tough time but Trupanion has been with us all the way. Sunni-Girl continues to hold her own and with time we will hopefully see much more improvement! Thank You 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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