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: Fanny

Excellent service!!

Our 11 months old puppy had to go through a extrahepatic liver shunt. Trupanion took care of all the tests and surgery right away and the hospital was able to charge them directly over $9.000,00, leaving us only with the extra costs and percentages to cover. We could not have done it with out TRUPANION. Best insurance ever!! We definitely recommended!! Thank you TRUPANION!
5

out of 5

POSTED: | BY: Kait

Best Pet Insurance By Far!

I have had trupanion for my dachshund, Max, for 3 years now. They have always covered 90% of the bills for any problems he has had. They are fair, quick with claims, and even quicker with payment. I love them because you can choose your deductible, and they are not prejudice about breed specific health problems. Absolutely love the company!
5

out of 5

POSTED: | BY: Stephanie

Fantastic

My dog suffers from ear infections which until recently we didn't know were caused by allergies. During this time we were paying for vet visits that ranged from $100-$300 and all were covered by Trupanion. Once we found out it was an allergy issue we asked for an allergy test which costs $400, I was pleasantly surprised when Trupanion not only covered this test but paid us within a week. Their claims process is so easy and fast and have never had an issue. Currently I have both my dogs on the policy and have had great customer service and experiences highly recommend!
4

out of 5

POSTED: | BY: Darryl

Trupanion Insurance Review

Insurance coverage is great. Quick pay. The only complaint is that they raised my rates 20% right after I put in a big claim for my dog.
5

out of 5

POSTED: | BY: Amy Sandmann

So worth the money!!!

Trupanion is the first time I have ever used pet insurance over all these years. I would highly recommend this company and encourage pet owners to obtain this insurance. Easy to use and submit claims and the speed at which claims are resolved and reibusment happens is fast. Very impressed and well worth the monthly fee.

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 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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