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: Jasper

Tops in Customer Service

I am a new Trupanion client, but I loved that they contacted my vet themselves when I signed up, so I didn't have to mess with the paperwork. Trupanion's coverage levels are also much higher than other pet insurances. All pet owners hope they never need it, but it's nice to know I'm covered for just about anything that happens.
5

out of 5

POSTED: | BY: James

TRUPANION IS AWSOME!!

Our 7 month old dachsund ate an object and after being x-rayed the vet said he would absolutly do surgery if it was his dog!He also said"This is why you Thank God you have insurance"and it was .The surgery went well and the bill was right around $2000.which Trupanion covered 90%.I would also recommend a lower deductable!Mine was only $50 and that was also helpful.Highly recommend Trupanion!!!!!!!!!
5

out of 5

POSTED: | BY: Jennifer

Coverage so I can do the right thing.

Last winter I had to put down my beloved Mocha because she had cancer that wasn't detected until it was too late. I had decided not to investigate why she was losing weight because I could not afford to-- I have a disability and live on a fixed income. She suffered silently for weeks before I even took her to the vet. When I adopted my new dog, Leo, I vowed never to be in a situation where I couldn't aford tests. I investigated pet insurance options, Trupanion had a monthly premium and deductable combination that I could afford, and it had the most coverage--90% of actual costs. I also liked that the premiums would not go up for submitting claims or as he got older. Three months after I adopted Leo, he got a potentially cancerous growth on his paw, but this time I could tell my vet to surgically remove and biopsy it. The customer service at Trupanion was excellent. The representatives on the live chat were able to tell me that the fax of Leo's records had not been received, and I had time to have the vet resend the records the same day [the vet had misdialed.] They then called me to let me know the fax had just come through. Two days later the claims adjuster called to explain which expenses could becounted toward the claim so that I would understand why the amount I was awarded was a little diferent than what I requested. A few days later I got my check along with a clear writen explanation of benefits, just in time to pay my credit card. Leo's bioposy
5

out of 5

POSTED: | BY: Terri

Fast service

My 7 month golden retriver got stung by a bee and his mouth swelled so much his face was not recognizable. I took him to the vet late Wednesday afternoon, who gave him a benadrly shot and a steriod shot. $196.00. I took in the claim form with me to the DR. they filled it out, very simple form, and I faxed it in that evening, and had my check, less the Dr. examination fee, by Monday morning. They are very quick and easy to use.
5

out of 5

POSTED: | BY: Monica

Very Helpful

I'm very happy with our Trupanion experience. They answer questions promptly and really care about our animals. I can tell they are animal lovers. I've only had to submit a small claim, but I still know they are there for me and Chewie.
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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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