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.
5

out of 5

POSTED: | BY: Matt

Good Claim Response So far!

We've been with Trupanion for a little over a year with both our Yellow Lab (1 yr old) and Kitten (1 yr old). Our vet recommended them when we were getting their first checkups. We did some research and read the good reviews and decided to give it a go. We're glad we did. Our Lab had kennel cough (much to our efforts to prevent it) and the ER tests on a holiday was covered. Our Kitten recently swallowed an object and we were not prepared for the $3k+ ER visit and surgery for that, we lucked out and the surgery was not needed but the tests, etc cost several hundred. After submitting the claim request we quickly received a response that it was being reviewed then followed up communication on its progress. We promptly received our reimbursement check (minus of course our deductible and coinsurance). It's come in handy already and we're only a year in. Only bummer is sometimes large claim files get lost in FAX neverland - although they cleared that up quickly after we resubmitted which was great.
5

out of 5

POSTED: | BY: Janelle

I'm a believer

When I first started looking into pet insurance I was very leery of the whole concept. I calculated the cost of raising a dog over an average life span and thought that perhaps the benefits of pet insurance might not outweightinsurance cost per lifetime of my pet. I am definitely one of those people that tend to think nothing would or could possibly happen to my pet, I'm responsible, he's a house dog, etc. After speaking with several old hadn pet owners (friends, my parents, friends of friends)I decided to bite the bullet. In less than a year it proved to be very helpful. My little 15 lb Ace got a cat tail stuck waaaay down his ear canal while bounding through a field with weeds twice as tall as he is. The removal cost me about $325, after submitting my claim, Trupanion reimbursed me 90% in 2 days!!! I was expecting a week. I am very pleased with the concept that they will reimburse for illness and injury and not for the cost of services you would normally incur. After all, if you didn't have it, it would cost you the same. Lastly, i want to mention that their customer service and responce time is really admirable. Typically, the online chat is friendly, quick and polite. All of my emailed inquiries were answered in a day.
5

out of 5

POSTED: | BY: Jim

Gives me peace of mind

When our puppy, Trixie, a beagle-bulldog mix, started vomiting each morning and intermittently throughout the day, we worried that she might have eaten something poisonous. Our vet was able to rule that out with a blood test, but she feared a blockage -- Trixie has a history of "dietary indiscretions," (her beagle half just loves to chew on twigs and leaves). An X-ray was inconclusive because our dog had already lost so much weight, so we were referred to an animal hospital for an ultrasound. When that showed no mass of leaves or stuffing from a toy, the doctors were able to give her medicine to calm her stomach and also subcutaneous liquids to keep her hydrated. It took a week of medicine and a bland food diet, but Trixie recovered and started to put weight back on. The bills totalled $1400 but Trupanion reimbursed us for nearly $900. It was a huge comfort to have pet health insurance when the puppy that we've come to love was facing an unknown illness.
5

out of 5

POSTED: | BY: Margaret

Best pet insurance found during my research

I am an enrolled veterinary student and animal lover that has been researching pet insurance and between reviews online, talking to current customers, and my own comparisons Trupanion has the most to offer with reliable service.I would definitly recommend your company.
4

out of 5

POSTED: | BY: Danielle

No need to worry

I haven't needed to use Trupanion's services as of yet for any of my three pets (two dogs and one cat), but having the service there lets me be less concerned about what could be and lets me concentrate more on having a wonderful time with my buddies. It is good to know that I will have the help should anything happen to any of them.
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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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