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: Angela Hantoumakos

Outstanding on every level

We are delighted to have selected Trupanion as our pet insurance provider. They are extremely customer service oriented and processing and payment of claims is well organized and timely. No hassles ever. We highly recommend Trupanion. Top notch organization on every level.
5

out of 5

POSTED: | BY: Jason

Neurological/GI symptoms

Our siberian husky puppy started to show some GI symptoms and some swelling in his face. He is an 8 month old puppy that is always eating everything that he can get so we naturally thought that he ate something and it would pass. That was until his face started to swell up and he started to have really bad vomiting and diarrhea. Okay, so we then thought that maybe it was an allergic reaction alongside the possible bowel obstruction (by the way, my wife and I both have a medical background). So we thought to get him checked out just in case. Our vet wanted to do an X-ray just to try and see anything so we went for it, it showed nothing. When I got home from work he was super lethargic and when he lifted his head to look at me his one pupil was 6mm and really big and the other one was tiny at 1mm and he looked really crazy! We rushed him to an 24 hour animal hospital and he was hospitalize for 2 days in puppy ICU. During this time I called Trupanion and applied for their pre approval process and they said that it would take a lot longer because this was our first claim. I didn't expect it to take one day. To make a long story short, our total bill for an MRI, ultrasound and the transfer of care from our vet to the hospital plus all the medication and everything brought us home a healthy siberian husky and a bill of 4600$ and change. Trupanion was so efficient and prompt with filing our claim and reimbursing us that we didn't even realize that we were out the money for the
5

out of 5

POSTED: | BY: Danny

One less thing to worry about...

The last thing a pet parent wants to worry about is money. I was less stressed about paying for my cats urinary blockage thanks to Trupanion. I was able to focus on his recovery and not worry about paying for it. Trupanion made it so easy, I would recommend the company.
5

out of 5

POSTED: | BY: Janet Simpson

Midnight trip to emergency for toxic symptoms had

Late Saturday evening, Tucker displayed odd symptoms such as wobbling of his head and his back legs kept collapsing. We watched him for about half an hour and then decided he was getting worse, not better. Off we went to an Emergency Animal Hospital, about 40 minutes from home, hoping for the best. The admitting vet examined him and questioned us as to possible toxins he might have been exposed to. The vet then decided that Tucker needed to be kept overnight until at least early afternoon on Sunday.He was placed on intravenous in both front legs for hours.We were allowed to take him home on Sunday afternoon and the vet felt he was going to be okay as they had flushed his system out. Tucker slept almost 6 hours after he got home , ate dinner and went back to bed for the night. Monday morning, Tucker was his usual bouncy and happy self. He has been fine ever since. We check our lawn and pick any mushrooms found daily and we watch that Tucker does not pick up any cigarette butts he might find on the street, as those were the two items the vet felt he might have swallowed.I submitted my claim to Trupanion about a week after out emergency vet experience and was very pleased that they responded so quickly upon receipt of my claim.I received payment within 2 weeks and was most pleased with Trupanions response.
5

out of 5

POSTED: | BY: Stella Barbieri

claim payments

my girl xena tore her patella and needed surgery and I have to say I am pleased with trupanion they are very courteous and paid claims promptly also answered questions I had wonderful expierence and xena is happy and well 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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