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.
1

out of 5

POSTED: | BY: Joann

RIPOFF

My dog almost died from an ulcer that was caused by an arthritis medication prescribed by my VET. Trupanion refuses to pay. Trupanion did not have dysplasia coverage before May of 2013. Jasmine (my sweet dog) has recently developed arthritis (after May 2013) in her back hip. she is a 41/2 year old lab mix. The Vetinarian precribed Deramaxx which ended up causing an ulcer that almost killed her. The total treatment cost was about 5000.00 Trupanion claims she has dysplasia and had it prior to when they started their coverage. since the medication was prescribed for the arthritis in which again they claim is dysplasia they are refusing to pay for any part of her treatment. The diagnosis from the doctor is a little spot of arthritis in an x-ray that was taken recently . The X-ray does not show any separation in her hips and was sent to them with a note from the doctor saying she does not have dysplasia and certainly couldn['t have had it prior since its not curable. But they still refused to pay anything. They are basing their diagnosis on a conversation i had with my doctor last year and again earlier this year about how she was not jumping and running like she used to. I mentioned that she had a limp when she got up from lying down which was true but it was a front leg injury and had nothing to do with her back legs. After they refused to pay i requested all records and so included in those records was Jasmine's Paw Print which was created by Trupanion and
5

out of 5

POSTED: | BY: Teresa

Great to work with

I've had Trupanion for several years. I started with them because they were the only company, at that time, that would cover seniors for illnesses. I've had one dog with an immune mediated disease, one who ripped a huge hole in her front leg, and one who, at age 9, developed seizures due to hydrocephalus. All claims were paid quickly and with little trouble. I did have to get additional information about what was thought a pre-existing condition, but after my vet wrote an explanation, all was covered. A+
5

out of 5

POSTED: | BY: Leanne

Caring Company with generous insurance.

My Tibetian Terrior ate something. After explatory survey and emergency vet bills only haveing been enrolled for three months Trulanion paid their portion. They kept me up to date every couple days about the standing of my claim via email. I have not made a single call. Their emails alway start with nice thoughts like " aren't pets amazing.." Or " we are so glad your taking care of Bentley..." I am Shocked at the amount of positive contact I am receiving from this company.
5

out of 5

POSTED: | BY: Melissa

Superior Service!!

I have had Trupanion for about 9 months. I have had several claims already. Trupanion sends an email as soon as the claim is received, another once it's being reviewed, and another with the results of the review. They detail the coverage and the payment. I have a zero deductible so I pay the vet visit then 10%. That has been the case with each claim, no surprises. Truly a professionally run business, allowing you to worry about what you need to worry about. My veterinarian has been working with Trupanion for some time, and highly recommended them. I consider my veterinarian very knowledgeable about insurance. They see the coverage from different companies. The doctor carries it for her pets, and so do the office managers and vet techs. I do dog rescue for a non-profit organization so my concern for my own personal pets is very important. I have seen families that can't afford to care for their pets due to health issues. I don't ever want to have to make that kind of decision. I have had other pet insurance coverage, and I am not running anyone down but I have been very pleased with Trupanion. I recently had an emergency vet visit. I was there for around 14 hours. On arrival I gave them my pet insurance information. There were no issues and I wasn't required to be put down a 50% deposit. Others without insurance were required to put a 50% deposit down before their pet could be treated. That day I watched many owners leave in tears due to losing their
5

out of 5

POSTED: | BY: Cheryl

Great Service

My best friend got Trupanion for her cat after I told her about the benefits of pet health insurance. It's literally paid off for her. Her cat had 2 trips to the emergency animal hospital, one which required surgery. Trupanion was good to its word: paid 90% of the bills excluding examination fees. My friend chose not to have a deductible so that helped,too. Without Trupanion, my friend would have had to have her cat euthanized because of the emerg. vet. costs. I also have Trupanion for my dog. She has a monthly Rx expense and Trupanion pays 90% of it. I, too chose a $0.00 deductible. I would never have another pet without getting it covered by 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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