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.
1

out of 5

POSTED: | BY: Juliana Soares

Very disappointed. My monthly fee is going up from 55$ to 90$!!

Very disappointed. I'm in my first year. I took out the insurance when my pet was a baby and I trusted the advertising that they wouldn't make absurd increases. But I've just received an email informing me that my monthly fee is going up from 55$ to 90$. This is complete nonsense, a lack of sense. It's almost double the amount for a pet that's a year and a bit old. Imagine when it's 8, 9 years old. Prepare your pockets, friends. When I called customer service, they told me that they had studied my pet's breed and had to change the price. If they hadn't done this before, do I have to pay? I don't even know if an increase of this level is legally possible, but I'm going to do some research to make sure they're not infringing on my rights as a consumer.
3

out of 5

POSTED: | BY: Chad McElhinney

Constantly increasing fees

The coverage is pretty good, however in 2 years our coverage has increased by $40/month. EDIT- in response to the reply from Trupanion. The reasoning all makes sense, but potential customers need to know that the price that they start with will not be the price they pay forever.
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1

out of 5

POSTED: | BY: Amanda Sinasac

The Actual Worst

I've been with Trupanion for 4 years and they are just awful. They have never covered any of my claims and will deem anything a pre-existing condition. I even appealed with a letter from my vet stating my dog's allergies were not pre-existing. They don't care. Their response time is abysmal and they make canceling your account as difficult as possible. Look elsewhere!
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4

out of 5

POSTED: | BY: Michael

Coverage and cost.

the service was good and the vet could always submit and we pay only for what is not covered. I would have given it a 5 star but what i noticed that when my dog developed allergy after about 1 year, the examination cost is not covered. the examination cost is still covered again when my dog went to emergency clinic when she got sick on the weekend. Wish they cover the examination fees in general as without it, what my experience is that we only got about at most 50% of the expenses covered. I heard from my pet owner friends that their pet insurance has much better coverage (include annual , dental and examination fees ?) for lower premiums. Not sure if it is true but will have to do research. The other concern that prevents me from giving a 5 star (as they do have great services/support) is that in 2.5 years the cost increased by more than 21% which is much higher than inflation. I am concerned about future increases. I do understand that the company has to review the current expenses to ensure the company can provide good support for pets , but is still worried that there may be big increases in the future as my 2 year old dog ages. btw , i had insurance for my dog since she was 2 months old. So far i have to say I am happy with the trupanion.
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5

out of 5

POSTED: | BY: Heather Warcholyk

Speedy service

Mila my dog is waiting for a hip replacement. Trupanion has been there every step of the way. Very helpful with the process. I really like the not paying for the full bill then sending in paperwork and waiting to be repaid. Some of the meds are very expensive and the surgery also. So for them paying out their portion is very helpful. Very Grateful Heather W
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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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