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: Jane Firebaugh

Best pet insurance around

Fair claim reimbursement. Pays 90% of the claim no matter what the amount and not by some arbitrary, unrealistic schedule. You control your premium cost by choosing your own deductible. Deductibles are per illness/incident and not by calendar year, which tends to be financially beneficial to the pet owner. Has one bad feature - completely excludes consultations and exams which are common and essential. Would rate it '10' if it covered at least 60% - 90% of it.
5

out of 5

POSTED: | BY: John Tateishi

Pet insurance? Absolutely, it's so worthwhile

My dog recently had to have polyps removed from her ear, a procedure that was important lest they turned out to be malignant. The total cost of the procedure was around $700 and my insurance with Trupanion covered it completely. Owning a pet costs money and that's fine, but it's the unexpected emergencies that hurt the pocketbook. That's when having insurance with a good company like Trupanion is critical. Unlike some nightmare stories I've heard from other pet owners, Trupanion was amazingly efficient and fair in their assessment of he procedure and very quick to send a reimbursement check. This is health insurance at its best. In rating Trupanion between 1 and 10, I'd rate them 100. They're that good.
5

out of 5

POSTED: | BY: Heather Claxton

Great Service!

My dog Dana, a Bull Mastiff Rottie X, hurt her knee and was in some serious pain. We visited our vet for xrays and many tests...our only option was major surgery and a long recovery time. Our Dana girl is older and we didn't want to put her through all the stress. Our vet recommended Metacam and we were happy to find out our Trupanion Insurance covered us for a large part of the cost. We were even happier to see that the Metacam made Dana Dog into a new puppy! I recommend Pet Insurance to all my customers, I manage a Pet Supply Store and see many new puppy owners. The quick and awsome service we receive when sending in our claims is so great! Our returns are mailed to us within 2 weeks without any troubles! Anyone who's thinking about registering their pet with some type of vet insurance should absolutely do it!
5

out of 5

POSTED: | BY: Jessy Thomas

Friendly

From the first phone call staff was compassionate with us. When I emailed a question I heard back within hours. Easy to submit and saved me from large quantities of financial stress
5

out of 5

POSTED: | BY: John Kohler

Wonderful insurance!!

Very easy process. No hassles. Great product.
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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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