Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,181

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: M

A confusing let down, in the end they were not there when i needed them

After 15 years of paying premiums for my beautiful cat, during the most vulnerable time during terminal illness I became embossed in a months long back and forth maze of emails to try and get reimbursed for her treatment. While the customer service people were friendly, they came back time and time again with denials. For a single claim, each message was replied to by a different person each time. I had to present the situation to over and over again, making the whole process heart-breaking and confusing while I was already feeling so upset over my cat’s health. And it was all unnecessary, the basis of their denials was due to arbitrarily re-classifying the claim based on things I had not yet paid the deductible on. Due to their rigid procedures it was then up me to the present evidence and proof that it was incorrect, which added up to hours of time, frustration and stress. They would the apologize, do the appeal, and reclassify it in some other way that avoided payment- only for the process to begin again. When I appealed, they told me I should bring my dying elder cat, who at this point was no longer eating and preparing for her journey, on a stressful trip back to the vet for more extensive testing to prove that it was part of her chronic condition. Since having experienced this, I have connected with many others that had similar heartbreaking experiences. So, while on the surface this company seems friendly enough, I would not expect support from them. They are like a sugar coated razor blade. Instead, if I decide to have another pet in the future I will follow the suggestion that many vets now make (after seeing this process over and over again), I will put the amount I would pay on a deductible in a separate bank account to save up for unexpected vet bills. When you are self-insured you can avoid the disrespect and stress associated with dealing with a large company like Trupanion that firmly places profits over fair treatment and wellbeing.
5

out of 5

POSTED: | BY: Kristina

Quick, Easy & SO helpful!!!

I submitted my invoice from the vet - not sure if there was anything they can do. They reviewed the invoice and very quickly notified me of what they would cover and how much money I would be reimbursed. So awesome. And such a help! :)
5

out of 5

POSTED: | BY:

You guys have saved my dogs life.

You guys have saved my dogs life. If it wasn¡¦t for you guys I wouldn¡¦t be able to have kept him for something that was totally undetectable. It¡¦s been 30k + that¡¦s been covered by Trupanion. Thank you for helping save my dogs life. It¡¦s been hard on my entire family emotionally and physically but if we didn¡¦t have trupanion I can¡¦t imagine where we¡¦d be.
5

out of 5

POSTED: | BY:

What a pleasure to not have to worry about this when dealing with our beloved dog.

What a pleasure to not have to worry about this when dealing with our beloved dog. Thank you so much Trupanion!
5

out of 5

POSTED: | BY:

Website is easy to use and claims are processed quickly

Website is easy to use and claims are processed quickly
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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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