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.
5

out of 5

POSTED: | BY: Linda

Awsome

Having been in business myself, I know that providers seldom hear from happy customers, where as the ones who believe they have been treated unfairley will be more then glad to tell thier story, incorrectly or blown out of proportion. I`am writing a testimonial as a happy customer. When we purchased Brie a german pinsher, in Jan/2010. We had no idea she would develope medical problems. Thanks to the suggestion of a friend we took out Trupanion pet Insurance.The medical treatment Brie was treated for was very costly with many trips to the vets and thier recommdations to different specialists. Every time we submitted a claim we were reimburst within 1 to 2 weeks with out waiting or having to plead our case. We were very happy the way we were treated. I hope this testimomial will help others to see that thier are companys like Trupanion that will provide the services they advertise and make thier customers very happy. Thanks for giving us the opertunity to tell our story. Lind & Terry Dilworth & Brie
2

out of 5

POSTED: | BY: Kenneth

Absurd

They just increased my premium from $40 to over $130. My dog is One year and has had no major issues or claims. Is this Blue Cross?!?
5

out of 5

POSTED: | BY: Deborah

Abolutely first class operation, and a god send!!!

We had never had pet insurance before with our previous English Bulldogs, but after one very expensive experience we decided that with the next puppy we would get pet insurance. So we researched several companies and decided on Trupanion. According to their website it appeared they were by far the best: you pick your deductible, they pay 90%, no limits, and unlike other companies they do pay for medical issues that are predisposed to certain breeds. We picked up our baby bulldog on 12/11/10. We had a 30 day waiting period, and then we were covered. Our puppy was coughing a lot and very lethargic starting on 2/14/11. He was put on antibiotics and it appeared he was feeling better until the medication stopped. He was eventually diagnosed with pneumonia after lab work, and xrays. He was put on different antibiotics after a trans tracheal washing to find out what antibiotics would be the most beneficial. Even with several rounds of antibiotics the pneumonia kept coming back. Our vet referred us to a specialist at Tufts and after 5 months of being sick our puppy just had soft palate surgery. It appears he may have been aspirating due to his long soft palate (which is common in this breed). Trupanion to date has paid us over $4500.00. I get emails when they receive the claim, the status, and when its been processed. Payment is prompt. I never have to think about calling to find out where payment is. If I have questions they are pleasant and helpful. I have told every
5

out of 5

POSTED: | BY: Erik

AWESOME!!!!

They paid what they agreed to in the policy and tokk care of me and my DOG!!!
5

out of 5

POSTED: | BY: D

Honest Company - No hidden tricks

After incurring thousands upon thousands of vet costs caring for our beloved dog who has since crossed rainbow bridge we decided not to risk an other financial setback. When we recovered from the grief and decided to adopt a dog we also got pet insurance. Knowing we could handle the expected routine well dog costs at the vet but cringed at the thought of unexpected expenses for an accident, serious or chronic illness and opted to get a policy from Trupanion. We thought as life goes we would pay monthly and never have reason to use the insurance as the last time around we really needed the protection and didn't have the insurance. Well we were right for a while and then the dog gets sick. Again the experience of our dog developing medical conditions that would require ongoing treatment and medication. Thank heavens we had the pet insurance this time. We have an excellent but expensive vet. Trupanion has been a financial lifesaver for us. Paid claims as promised. No hidden exclusions or excuses. The insurance comes with a "find my owner tag" and this service has been invaluable to us. It saved us from heart ache when the landscaping crew unexpectedly showed up and didn't secure the gate back properly. Before we knew it the dog got out. Panic was about to set in but there was Trupanion calling asking for permission to give our phone number to neighbors down the block who didn't know us but found our dog. Customer service is alway polite and helpful, filing a claim is e
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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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