Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,183

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.
3

out of 5

POSTED: | BY: Lindsay Johnson

Mixed feelings

Trupanion was a huge saving grace for the life of our dog. Unfortunately we lost her in February to cancer, but Trupanion allowed us to make decisions based on quality of life, not finances. I totaled our claims and they were over $75K throughout her life. Very easy to submit through clinics, and never had to worry about paying up front. I would have given 5 stars, but their monthly premium felt a bit like robbery. In the 9 years we had her, our monthly premium had increased over 250% by the end. Also, very distasteful at time of euthanasia. Trupanion had sent an email notifying that our policy had been cancelled and closed out (since my dog had passed away) before I had even left the vet clinic after losing her. It felt very heartless. As you progress with Trupanion you become trapped; either raise your deductible, pay the crazy monthly premium increases, or cancel insurance with pre-existing conditions for other providers. I have mixed feelings about Trupanion because they obviously saved us a ton of money, but their monthly premiums are more than my home insurance and feels like they are taking advantage of pet owners. It feels a bit irrelevant to claim that your monthly premiums don't increase based on your claims, but that they increase based on claims in your area. Therefore, my claims obviously contribute to claims in my area. It's actually infuriating how expensive these monthly premiums have become, and I know that many other Trupanion members are feeling very robbed by these premium increases yearly. It has caused me to shop around for my next pet, even though I had been with Trupanion for 9 years. EDIT: Continue to be disappointed with Trupanions stock response regarding their pricing when other providers have much lower premiums, covering the same advanced technology Trupanion claims drives their prices. They completely bypassed my feedback regarding their process when an animal is euthanized and focused solely on their stock response. I’m not sure why they offer to discuss their pricing when you will just be given the same response over and over.
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4

out of 5

POSTED: | BY:

Very pleased with service

Very pleased with service
5

out of 5

POSTED: | BY:

MHinBC

Our claim was quickly reviewed and paid out. We were very impressed with the level of service and how easy it was. We have recommended Trupanion to many of our friends with pets.
5

out of 5

POSTED: | BY:

Amazing peace of mind!

It's very straightforward and easy to sign up! My puppy is very adventurous and knowing that she is covered by Trupanion gives me great peace of mind.
5

out of 5

POSTED: | BY:

Review

I like the monthly rate and what you cover. It was very easy to enroll.
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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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