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: Katie

Excellent Updates

I have always insured my dog, just in case. Coming from the UK pet insurance is soooo much cheaper, so my husband begrudges paying for it in Canada. However, this proved invaluable as our puppy just contracted Parvo. Even though she had been given all her shots she caught it. It was great piece of mind knowing that she was covered, so the vets could give her whatever she needed to get better. Trupanion have a very easy claim form to fill out. I come from an insurance background so I know to read the T&C's to see exactly what is covered. The communication via email was excellent as it was timely and they didn't leave you wondering about what stage the claim is at. The only thing was that I received 2 claim emails and this was a little confusing as I thought all her treatment was the same claim. I emailed back to question this and they said I had two claims in. I called to query this and after 10 minutes on hold, was told it was an input error. However, when the claim came through they are treating it as 2 claims (Only one lot of excess though). Overall, it is great peace of mind to know that my fur babies are covered no matter what, to any amount, any number of times.
1

out of 5

POSTED: | BY: edna

petinsurance review

there was some confustion and alot of wasted phone fax time on these claims and you still messed up and sent me a cheque that was to go to my vet
5

out of 5

POSTED: | BY: Dr.

great

ericka wells is absolutely fantastic and I will always reccommend the Trupanion Program as a Pet Smart Trainer In Spring hill florida. With out ERICKA WELLS I WOULD have been devastated. Thank you to her and all her caring!!!! Diane ,Danann, John
5

out of 5

POSTED: | BY: Thomas

operation rear leg torn loose kneecap

Dexter who is a very active dog injured his back leg by tearing the kneecap loose, with Trupanion there was no hassle thay gave approval almost immediately and as my wife and I are old age pensioners on a fixed income that was a great weight lifted off our shoulders knowing that Trupanion was there for us hassle free to help pay for the operation to repair and heal his leg
5

out of 5

POSTED: | BY: Shirley

Excellent

Fast and fair
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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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