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: Paul S

Stay away

I would avoid this company like the plague. You are better off saving your premium for actial vet cinic visits and saving yourself the trouble of dealing with this company. Their business model seems to be based o deny the claim for any reason and hope the client doesn't pursue the claim. Here is a copy from their Facebook page: ME: Raised rates and are trying everything possible to deny a claim. If you're shopping for insurance try somewhere else. Trupanion's reply: Trupanion Pet Insurance Paul, I apologize for the delay in response. I encourage you to call your claims adjuster in case there is any uncertainty about the status of your claim. It appears that your claim was denied because your dog showed signs of the condition ...prior to insurance coverage, making the condition pre-existing. However, we would be glad to re-review a claim; you'd just need to get your vet to write us a letter clarifying how the claimed condition is unrelated to the prior symptoms. -Stacy My Reply: Hello Stacy, I appreciate your time in looking into my complaint. Perhaps you should have reviewed the documents more thoroughly before replying in a public forum. Trupanion has all of my pet's records and none of them document a preexi...sting condition. I have also already provided supporting documents from a specialist. The only thing Trupanion has is a recorded (for training) conversation with my spouse where she mentioned she thought her that some eye problem was no
5

out of 5

POSTED: | BY: Shawn

Fast and friendly settlement of insurance claims

My dog accidentally broke its leg. Trupanion was able to settle our insurance claim quickly. We were contacted by phone and email. We would do anything to keep our pets healthy and happy. Trupanion in my opinion has the healthy and happy philosophy for both clients and their precious pets. The only thing I could suggest is direct billing for pet emergency hospitals.
5

out of 5

POSTED: | BY: James

The best

Never have an issue with trupanion
5

out of 5

POSTED: | BY: Martine

Fabulous

Efficient and compassionate. This is the best pet care provider that I have ever tried.
5

out of 5

POSTED: | BY: Stephanie

Great experience!

My 2 year old cat has been diagnosed with idiopathic hypercalcemia. Trupanion has been great and reimbursed me 90% for all of her tests and blood work. They also cover any issues she may have due to her breed. Which is great because most pet insurances do not cover these issues.
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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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