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: Lynne Beland

Resolved payment inquiry

The response time was amazing, within minutes of my contacting Sarah. She put me at ease with my inquiry. It's nice to know there is a company out there that cares as much as the people who have pets care. This experience was very positive and I will most assuredly recommend Trupanion to friends and family. Thanks for all your help Sarah.
5

out of 5

POSTED: | BY: James Collins

Trupanion allowed me to have the means…

Trupanion allowed me to have the means to save my dog life. There is nothing else that needs to be said. 😊
5

out of 5

POSTED: | BY: Mary E Porter

After going through an emergency…Best Decision We Ever Made!!!

After going through an emergency situation with our previous boy and running up the credit cards to save his life, but also facing the financial situation when we should have been 100% handling our emotional situation and not having to think financial, we went with Trupanion with our next two, and so happy we did! Vets can direct bill and within mins of bill being submitted, I receive a text giving me the amount Trupanion is covering. I just had an emergency yesterday with my boy, never thought twice about costs and affordability, had all necessary tests done, Trupanion covered almost half, and we only had to cover less than $1000, including our deductible, and I could 100% focus on his wellbeing and getting him through his situation and healing. So grateful to Trupanion and their caring and fast service!
1

out of 5

POSTED: | BY: Erin

I was told when purchasing this…

I was told when purchasing this insurance that the rates don’t increase as the dogs age. Well my dogs premiums have gone from 2 dogs 60$ per month to well over 100$ per month in one year. One dog is 2 years old without one claim. The other dog is 6 years old with minor thyroid issues. The reason I bought insurance when my dogs were puppies was so the premiums would be low and I was told they would not increase as the dogs age. This was not true! Don’t purchase pet insurance with Trupanion!!!
5

out of 5

POSTED: | BY: Rod Burgess

A True Partner

Trupanion has been helping to look after my dog, Belle, since she was a puppy. She has had a wide variety of health issues but Trupanion is always there with financial and personal support. I don't what we would have done without it. Thank you.

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 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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