Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,162

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: Mary

Trupanion let me down

Trupanion has let me down to the tune of $2500, be very careful. After many years of cat ownership and paying lots of vet bills out of pocket, I decided to get pet insurance (I had just adopted my second shelter cat in recent years). My older cat (five years old) had bladder stones removed when he was three. Since that time (two years ago he had perfect check ups and no issues). Two years after the problem, he started having issues. An ultrasound showed what looked like bladder stones again. I had the surgery done, turned out to be "grit" in his bladder this time. After the first surgery. my vet had said he did not know if stones would re-occur, but to help he suggested many things, as much water and canned food as I could get in him, and Hill's Science Diet suggested dry KD (kidney diet) food. My cat is not a big canned food eater but I got as much in him as he would take. So flash forward to this year, and the bladder grit. Trupanion DENIED the entire claim because (an only because) according to them, the DRY FOOD was an indication of treatment therefore this was a preexisting condition that did not meet their 18 month preexisting clause. So... using that logic, if I had fed him "grocery store" cat food they would have paid the claim? This is so wrong and I am doing whaetver I can to try to get them to pay this. Any help or advice on the claim process would be greatly appreciated. I've already appealed and their "independent" third party reviewer agreed with th
5

out of 5

POSTED: | BY: Dave

happydad

fast to respond; with proper docs no challenges; timely compensation; very business like
5

out of 5

POSTED: | BY: Igor

Great fast service

The claim was processed in 2 days and my check arrived on the 5th day after the claim was submitted.
5

out of 5

POSTED: | BY: Pat

Excellent Pet Insurace Review

I am very pleased with Trupanion Pet Insurance. I must say that I am very impressed with how quickly and professionaly a claim is processed. The personal contact and updates are excellent. The representatives have been a pleasure to deal with!
5

out of 5

POSTED: | BY: marvyn

very satisfied

the manager I dealt with was wonderful. very efficient and caring of customer satisfaction
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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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