Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,139

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: Nina Biers

We had a $500 deductible with my dog’s…

We had a $500 deductible with my dog’s insurance, and every time she needed care, we had to pay out of pocket. One night, we had an emergency and the $300 visit wasn’t covered because emergencies aren’t covered. On top of that, they raised my premium from $115 to $160 in just one year without notifying me. They’re such a rip-off! If you need pet insurance, go with Costco Pet Insurance – they cover all visits. I will never recommend Trupanion to anyone.
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5

out of 5

POSTED: | BY: Matt Zalot

The agents I spoke to were knowledgeable, helpful and professional

The agents I spoke to were knowledgeable, helpful and professional. I was able to get coverage for my new kitty and change the existing coverage for my dog quickly and easily, with lots of guidance and no pushback on my suggestions. The costs, while not cheap, are in line with my expectations, and the service in the past has always been good, tending to very good.
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1

out of 5

POSTED: | BY: Marie-Eve

stay away from this insurance

I have been with this insurance for two years. I made 3 claims , 3 of them which i paid from my own pocket because my deductible was 200$ and they myst get sick more than once and then you are fully covered as long you pass that 200$ deductible. there is an increase in price i started 2 years ago at 40$ now i am at 78$. they will not listen to your concerns or any request. They will have any excuses or an argument for a price increase. In my case they said vet cost through the year and that is depends on the amount of dogs of the same breed in my area who goes to the vet. I just spoke to the receptionist at the vet when I picked nexguard for my dog she said that is just an excuse for them to raise the price, they say unlimited but there is a catch STAY AWAY FROM TRUPANION LIKE THE PLAGUE!!!
1

out of 5

POSTED: | BY: Kandice Barrett

Be very careful when dealing with this…

I am extremely dissatisfied with the experience I had with your company. Your failure to process payments in a timely manner resulted in two NSF fees on my bank account, totaling $150, including a stop payment fee. When I reached out to your customer service, I was met with resistance and unhelpful responses. The manager I spoke with seemed unconcerned with resolving the issue and instead focused on canceling my account. I was surprised to learn that your company's policy involves verifying funds with the bank before processing payments, which led to the delayed withdrawals. This approach is unlike any other company I have dealt with, which typically process payments on the scheduled date. I urge you to reevaluate your customer service practices to prevent similar experiences in the future.
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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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