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.
5

out of 5

POSTED: | BY: Rosanne

Excellent!

In early June/2011, my little Shih Tzu had emergency surgery for bladder stones & a urethral obstruction. Since then, we have been dealing with recurring bladder infections. Without Trupanion's Vet Insurance, I couldn't have paid for all the check ups and medication. I would have had to give her up to someone who has more money, and my Schnauzer mix ( who has separation anxiety ) would be lost without her. Each time we go to the vet, he cries when she is out of his sight. Thank you for being there for us and for answering my questions when I didn't know what else to do. I will continue to recommend Trupanion to anyone interested in health insurance for their beloved companions.
5

out of 5

POSTED: | BY: reggie

outstanding

We submitted our bill and within a week we received an e-mail telling us that we would be reimbursed $730.35 out of a bill of $859.50. The exam fee of $48 was not covered. Then we received 90 per cent of our bill.
5

out of 5

POSTED: | BY: Debra

Great company

I never believed in pet insurance because & heard such horror stories about it. A friend of mine did some research & talked me into getting Trupanion. I picked my own deductable which made my premiums affordable. I only had the insurance for 5 months or so when my Pom injured her patella. I submitted a pre-approval claim with all the information they required, & they got back to me in a day or so & approved an estimate of $3184.00. I had the surgery, submitted the final invoice & had the check in a week or two. I was amazed. Trupanion made a believer out of me!! In the future, I will insure every dog I have, but only with Trupanion. I know I probably sound like a commercial for the company, but my experience was that good!!
5

out of 5

POSTED: | BY: Crystal

Includes coverage for food!

Great coverage at 90% and even covers prescription food at 50%!
5

out of 5

POSTED: | BY: margie

excellent, caring company.

Very prompt review of claims and very courteous phone personnel. The only difficulty we have had is with fax submissions--for some reason when the veterinarian has submitteed claims by fax they either get lost or are not received. Therefore I have taken to mailing claims.
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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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