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: Jan McCusker

i am always happy with Trupanion

I have had to make several claims for my dog Hero of late, although he is improving thankfully, but during that time Trupanion made the process easy, painless and almost pleasurable. thank you.
5

out of 5

POSTED: | BY: Marilyn Shelt

Trupanion is Excellent & EZ to do claims

Trupanion is Excellent. They keep in touch which a lot of companies do not do. I think they have the best plan available of the many I checked out.Looked at questions below - do you want to know last time I sent in claim and what it is for. That is the info I am giving. Have sent in about 8 claims. Dog is 18 months old.
5

out of 5

POSTED: | BY: Cathy Adam

Compassionate

Amazing Vet. A real lifesaver. For how horrible the attack was for my son and dog we are very grateful. Trupanion has made the refund process easy. Thank you
5

out of 5

POSTED: | BY: Maxine Stahl

Treatment for Pancreatitis

During December of 2012, My dog, "Phoebe", became ill and was diagnosed with Moderate Pancreatitis. She was very ill and in January of 2013 she relapsed and had to be treated again. She had to be hospitalized several times and between December of 2012 and throughout January of 2013, she had to be treated by the Vet with medications and there were several visits and stays at the hospital. Phoebe has recovered and thankfully Trupanion did cover the expenses that were allowed within the boundaries of my policy. Initially when I submitted the claims, Trupanion refused the claim based on an incident that Phoebe was treated for in 2010. Trupanion explained that there was the possibility that the problem in 2010 could have been a preexisting condition, therefore my claims for Phoebe were not eligible for coverage for the Pancreatitis. I immediately notified the company that I would appeal their decision. I spoke with the Veterinarian that took care of Phoebe in 2010 and he told me that he treated Phoebe for Gastroenteritis and that she had no symptoms at that time that would have indicated Pancreatitis, that the cause was from things that the dog had ingested and her digestive tract was reacting to it. He treated the upset and it cleared up and until December of 2012, she had no more problems with her stomach or digestive system. I obtained a letter from the Vet who treated Phoebe in 2010 explaining to Trupanion what Phoebe had been treated for(Gastroenteritis)
5

out of 5

POSTED: | BY: Shanna and

Amazing!

Trupanion is an amazing pet insurance company who takes care of my Hero Dog Holly. Holly is a seizure alert and Response Service Dog who was named the 2012 AHA Hero Service Dog. Trupanion generously donated their coverage to all 8 2012 and even the 2011 AHA Hero Dog Winners. Holly saves my life on a day to day basis. When Holly started having some medical problems, expensive testing needed to be done. Trupanion paid for 90% of her expensive medical bills. They were fast, nice and amazing at handling Holly's claim for her medical bills. Trupanion is an amazing company that I highly recommend. Holly the Hero Service Dog loves 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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