Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,139

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: Irene

Trupanion Insurance is Criminal!!

I have a 3 year old lab that I insured from a puppy because I had previous problems with another dog. They have raised the premiums twice now and I have just received another notice they are increasing my premium - ALMOST DOUBLE!! My lab has had skin problems and now I can't even go to another carrier and be covered because this would be considered a pre-existing condition. It's absolutely criminal that they can get away with this and don't have to answer to anyone. They can arbitrarily decide to double my premium - I feel like I've been dealing with the black market. I would stick with a plan that offers premiums that often
5

out of 5

POSTED: | BY: Juliet

Saved our Christmas

A few months ago we lost our beloved 13 year old cat Perry. Being a military family, Perry supported me through several tours of duty separations including my husband's deployments to Iraq... so this totally broke our hearts. A couple of months we adopted a beautiful kitten we named Schonau, a sweet boy who really started to ease the pain of losing Perry. The day we returned home from our Thanksgiving trip Schonau started a series of seizures that we have yet to get under control. The pain of losing our greatest little love and the thousands of dollars spent (and we are still paying off) in the process, is only exacerbated by the fear of losing our new little one and the additional thousands of dollars that we have just incurred over the last 3 weeks. With all of this stress, financial expense, and the upcoming holidays we thought we would have to cancel gift giving this year, but I am so glad that I made the investment of insuring Schonau under TruPanion. We are still trying to find the cause of the seizures and trying to save his beautiful life and it was such a relief to know that Trupanion covered 90% of his vet bills. We were worried that we wouldn't be able to afford anymore care for his ailment and we now have the hope that we can continue to support our little Schonau. Because my husband and I had determined that we would forego any gifts this christmas in order to help afford all of these vet bills, Trupanion truly saved our christmas. I am so glad that I signe
5

out of 5

POSTED: | BY: Dave

Excellent Payout Time, Very Friendly

Submited a claim on a Thursday night, and by Monday afternoon it was paid. Very friendly phone staff.
5

out of 5

POSTED: | BY: Archie

AMAZING !!!

Archie tried to eat a bee - it stung him on the inside of his mouth - he started throwing up, and having trouble breathing.Off to the Emergency Clinic for treatment. We submitted the claim by Fax the next morning, we had an immediate response by e-mail from Trupanion and the claim was processed and paid in less than a week. Trupanion staff are helpful, supportive, and knowledgeable. This is our third dog and third insurance company (one per dog !). This is the best yet. Thanks, Trupanion This was the third time we had submitted a claim, and the previous two were handled in the same efficient, professional manner.
5

out of 5

POSTED: | BY: Ann

Trupanion is the pet insurane to have!!!

Trupanion is incredible. My 4 yr old rottie Marley is an accident waiting to happen. I have spent more money in medical expenses in his 4 years than I did on two other rotties that both lived to be 12 yrs. So I decided that it was time to purchase insurance. After researching various plans I decided on Trupanion. Less than two months after enrolling, Marley tore his ACL and required surgery ($3858). Unbelievabley Trupanion has covered 90% of the cost of this surgery. I cannot say enough good things about this insurance!! I am not someone who usually writes reviews but this company has come through for me. I would highly recommend 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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