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.
1

out of 5

POSTED: | BY: DISSATISFIED

THE WORST! Waiting 5 weeks now for payment

I HAVE BEEN WAITING 5 WEEKS SO FAR FOR PAYMENT FOR A SIMPLE PROCEDURE) . THEY WAIT UNTIL YOU HAVE A FIRST CALM BEFORE GETTING YOUR PETS RECORDS. THEY JUST KEEP TALING IN CIRCLES. THEY ARE VERY SWEET WITH CUSTOMER SERVICE AS TEHY GIVE YOU TH RUN-A-ROUND THEY DON'T PAY !!!!! IT iIS SO FRUSTRATING. I LEFT A GREAT PLACE AT MY VETS REQUEST TO TRY TRUPANION...I HAVE INFORMED MY VET HE IS REALLY DISAPPOINTED AS WELL. THEY CLAIM TO PAY 90 PERCENT. WHEN? THEY HAVE A SOB STORY OF HOW THEY ARE GROWING SO FAST THEY ARE DELAYED. I HAVE BEEN WITH THEM FOR MANY MONTHS THEY COULD HAVE GOTTEN MY DOGS RECORDS. ON TEH HOME PAGE THEY CALIM TO PAY 80 PER CENT OF CALIMS IN ONE WEEK THAT IS MISLEADING, WHEN I MENTIONED THAT TO THEM THE CUSTOMER SERVICE PERSON SAID OH WE HAD BETTER REMOVE THAT...DOES ANY ONE KNOW HOW TO REPORT INTERNET FRAUD?I DO NOT BELIEVE THESE OTHER REVIEWS!!!! RUN!!!
4

out of 5

POSTED: | BY: Bob Dawson

Satisfied

I thought the process was pretty painless, and the service was appropriate
5

out of 5

POSTED: | BY: Gracie

No Fuss, Quick Paymeny

Trupanion has been a lifesaver with our little girl, Gracie. From eye infections to ear problems to far more serious stomach problems. While the premium for Beagles has increased over the three years we've had the coverage, the claims are processed very quickly and there has NEVER been any hangling over coverage.
5

out of 5

POSTED: | BY: Lori

Very good

Kept me informed by email as to the dispisition of claims during the process. Claims were quickly taken care of. Paid for surgeries, hospital stays and all meds.
4

out of 5

POSTED: | BY: Nikki

Some Problems but Customer Service is Excellent

First they lost the claim I sent it, but I am hoping that is not ordinary practice. They did, however, quickly go through the claims process once they finally figured out it was lost. But apparently the bills I receive from the vet have to be very precise since. For example, after my dog was injured, my bill stated $50 for prior service, which was the vet examining the injury. However, since they assume it's a prior balance owed, I now need to figure out how to get my reimbursement. I don't much care for the reimbursement process and wish that the process resembled my own insurance. Aside from that, they are always extremely friendly, seemingly concerned and very helpful.
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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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