Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,162

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:

Trupanion misrepresents their coverage to customers and tricks us into buying insurance that doesn’t cover claims.

Trupanion misrepresents their coverage to customers and tricks us into buying insurance that doesn’t cover claims. We have put forward a cancellation. This has nothing to do with Emily - she was wonderful. This is the sneaky way you get clients to purchase insurance and then months later only when requested by us, after you denied a claim, send a coverage summary that lists a bunch of things that were never even outright explained or told to us. We have a one year old puppy and you have listed items from vet reports that are ridiculous such as itchy, scared, elevated heart rate - which is all normal of a dog at a vet. On top of this you denied a claim because our puppy previously ingested chocolate and since it happened before, our claim was denied. You considered it a pre-existing condition because it had happened before which puppies eating things is a puppy behaviour not a pre-existing condition. Any customer buying should be provided this right up front. I never would have purchased as this is a sneaky way to deny claims in the future - which you did with us! Will never recommend Trupanion to anyone.
3

out of 5

POSTED: | BY:

Trupanion does not allow you to add riders to your policy once it is in place after 30 days.

Trupanion does not allow you to add riders to your policy once it is in place after 30 days. I signed my pet up as soon as we could and then found out other items need to be added that are otherwise excluded. Other companies offer this on every policy yet Trupanion gives you 30 days or it’s gone forever.
5

out of 5

POSTED: | BY:

They were very friendly and supportive

They were very friendly and supportive
5

out of 5

POSTED: | BY:

Great experience

The whole process was quick and easy with clear explanations on what was and was not covered.
5

out of 5

POSTED: | BY:

service has been very good I appreciate having this insurance I tell everyone I am happy I got it and thank my son who told me about this company

service has been very good I appreciate having this insurance I tell everyone I am happy I got it and thank my son who told me about this company
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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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