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: Arie-Ianne Roobeurge

Buyers beware...

I am very disappointed and concerned with Trupanion's service as of late. Especially if pet parents are relying on their help and services for the well-being of their animal... Last year when I adopted a purebred cat, I was provided with a code from the breeder for a free 30 day policy. I had no problem activating it and the agent was very great! My only issue at that moment was they had told me I would be called back at the end of my 30 day trial, but was never called. I had therefore decided not to pursue a payed insurance with them. I have now adopted a new cat from the same breeder and had another 30 day free trial. I tried calling the first time the night of the adoption and had to leave a message since no one could take my call. I waited 2 days for them to call me back. Nothing. I decided to call back on the 3rd day. I was then told that because I waited, I may not be able to benefit from my 30 day trial. I was also told I would be called back by a supervisor either tuesday or wednesday of this week. We are now thursday and I have not been called back... I am glad that this was not for an ACTUAL HEALTH ISSUE with one of my animals and that I am not an actual paying client. But unfortunately, this experience was enough to convince me not to insure my pets with Trupanion.
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3

out of 5

POSTED: | BY: Joao Vitor Freitas

My police has been going up $20 to 30$ up a month every year!!

I've never had an issue with Trupanion coverage, but they for sure charge for it. My police has been going up $20 to 30$ up a month every year!! They say it's the average Vet cost going up, but my Vet and my friend's Vet don't go up $20 a visit. It's very frustrating.
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4

out of 5

POSTED: | BY: Mike Losier

Quick on-boarding and registration

New to pet insurance
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5

out of 5

POSTED: | BY: Leslie Peever

Very easy to receive quote

Very easy to receive quote. Gives me peace of mind knowing there will be coverage for my pet if something ever happens.
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1

out of 5

POSTED: | BY: Susan Gardner

Trupanion Reassesses Ailments As New Conditions to Have Deductible Applied Over and Over

If I could rate a zero, I would. I have a 14 year old flat-coated retriever that I have insured with Trupanion since she was 10 weeks old. We rarely submitted claims (and in 90% of the cases that we did, Trupanion just applied costs to the deductible and we did not receive any coverage), until our dog was 12 years old. While Trupanion states that the deductible for a given condition will be applied only once over the lifetime of the pet, that was not the case for me. My dog had a condition that appeared when she was 2 years old (we paid a deductible), when she was 4 years old (again paid a deductible) and most recently when she was 14 years old (and again had to restart the deductible). The term "chronic" condition was shared with me repeatedly. So, if you dog's condition is not chronic, but appears randomly (same symptoms, same treatment, same outcome), do not expect to be covered. Additionally, Trupanion is now delaying processing and payment of a claim for a condition that we have submitted and have covered for the last 2 years. Finally, Trupanion also increased our premium just after I submitted an appeal on the repeated deductible on a condition for which I have already paid. Please ensure that you consider other insurance providers when looking for coverage for your pet.
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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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