Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,139

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.
4

out of 5

POSTED: | BY: Megan

Follow-up from claims

I love how quickly they handles the claims and take care of everything to make ours lives easier. My one complaint. the office exams, I don't understand routine exams or the inital ones not being covered, but when trying to figure what is wrong, there should be a discount or something with the follow-up or referral exams from another doctor. Example when we went back in for the internal medicine doctor, everything else was covered but the exam part. I had already paid for the inital exams from the normal vet.
5

out of 5

POSTED: | BY: Ric

Hereditary Dental Issue

We brought a Miniature Shih Tzu into our home a few months ago. In her initial visit to our Vet, we were made aware that there are inherent issues that come from the genetics of them having a small snout and mouth. As her baby teeth were starting to be replaced with her adult teeth, problems started to occur. The Vet needed to pull 8 teeth and to our surprise, Trupanion covered the procedure since it is genetic in nature. I would absolutely recommend strong consideration to Trupanion if you bring a new pet family member into your home.
5

out of 5

POSTED: | BY: Barbara

Trupanion - Well worth the investment!

We have two cocker spaniels, Molly and Macy, they are now three years old and the light of our lives. My purpose in writing is to pass along our story in hopes of informing other pet parents of the benefits of having pet insurance. What I should say is the benefits of having top-rate pet insurance. Having loved a chronically ill pet in the past led me to research the many companies who are now offering pet insurance. Believe me, I lit up the internet with searches, questions and policy comparisons. My investigatory work led me to the elimination of many companies and it directed me to Trupanion. That was three years ago and I have not regretted my decision for one moment. Not only have the Trupanion folks supported me monetarily in the care of the girls but they have also given me emotional support with the security of knowing that they do what they say they will do. One of the things that attracted me to Trupanion was their easy to read policy, no gray areas. You know up front what you are getting from Trupanion, their policy guidelines are clear. Another thing that impressed me was Trupanion's customer service, just as their policy, they do what they say they will do and they are so darned nice about it. Their customer service folks are friendly and very knowledgeable and they were actually the clincher for me when I was making my decision regarding which company to go with. I made phone calls to those on the short list and when I first talked with
5

out of 5

POSTED: | BY: Roberta

Excellent service

While the insurance is fairly expensive, I have been very pleased with their customer service and prompt handling of claims. The phone support is great and the reimbursement was made within 24 hours of the claim being received by Trupanion.
5

out of 5

POSTED: | BY: I.

TPLO

Very quick response and reimbursement. Great customer service, very happy with the whole process. Very easy.
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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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