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: janice carter

I have had 3 English bulldogs and 4…

I have had 3 English bulldogs and 4 frenchies insured with Trupanion. I can say with certainty that my experience has always been super positive. I always recommend Trupanion to anyone who needs insurance for their pets. Thank u Trupanion for always being so caring and lovely to deal with. Sincerely Janice carter
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1

out of 5

POSTED: | BY: Oxana Belooussova

11 years I paid insurance

11 years I paid insurance, that increase every year payment and never pay back for anything, included Rx drug. It always some excuses from insurance to not paid.So many things trupanion not covered. Not suggest anyone's to have this insurance for your lovely pet
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2

out of 5

POSTED: | BY: Brad

Even non routine exams will NEVER be covered

Haven't had to use the policy until now so 2 stars for now. The wording of their policy is somewhat misleading. They say routine exams are not covered which is fine. I was expecting exams to be covered if it was not a routine/yealy exam. (Example: brought my dog to the vet as suspected she had an anal glad infection) But the exam was not covered at all even though it was not a yearly routine checkup/exam. So just know that EVERY TIME you bring your pet in, the exam will NEVER be covered! Upsetting as when reviewing the policy the only thing i saw about exams was that routine ones are not covered but im sure thats all they want people to see..
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1

out of 5

POSTED: | BY: Michael Simard

Once is time to pay, they don't :)

I need to argue with them because THEY know better than the vet what tests are needed for OUR dog. Moreover, the exam fees are not covered (they never said that other than in the policy in small prints). Beware because the "exam fees" and mostly 80% of the invoices you usually pay at the vet.
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1

out of 5

POSTED: | BY: Barb

apparently I never meet the deductible and my fees increase every year

Every claim I have ever submitted always says I don't meet the deductible. I am supposed to have a $500 deductible and 90% coverage. My last claim was for $790, and they broke it into several components, each with its own deductible so apparently, I never meet the deductible, and my monthly fee goes up every year when I have never been paid out anything in the last 4 years
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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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