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: James Thomas

*****WARNING********

*****WARNING******** Do your research before signing up with this company . You sign up at what you feel is a good fair/competitive rate to only realize later that once your are enrolled then they have you …then they gradually increase your rate every year . And not by a couple of dollars but substantially , and then say it’s because of the increased vet rates in your area and claims !?!? It hasn’t changed here in years !! And as a client you also have to get to a min $ amount on a claim before you can access a claim and then on top of that you also have to pay a deductible?? We’ve been with Trupanion for 3 yrs and our rate started out with $48 /month , then it went up to $65 , then a yr later $83 , now we just received notice again by email, not even the common courtesy of a phone call , that it’s going up again to $103 / month Not one claim have we made and when we called to discuss this …they don’t care !!! I think they use the low rate to get you enrolled and then figure you’ll just bite the bullet and stay even with the increases . I’m sure some people do as it may seem a risk to your pet to leave and a hassle to get new coverage .That’s how we felt but no more . Also I have a feeling it may be bc as your dog gets older they increase your rate but they won’t admit that and will say it’s bc of another factor . Anyway we are done . Trupanion please don’t reply saying your sorry etc , like you do in all the other negative comments bc you don’t care about your clients pets …only their money !!
5

out of 5

POSTED: | BY: Pauline

Trupanion gives us peace of mind for…

Trupanion gives us peace of mind for all our dogs health challenges! Quick response time and love the direct coverage so no unnecessary upfront costs!
5

out of 5

POSTED: | BY:

Cuz the staff is always knowledgeable and kind

Cuz the staff is always knowledgeable and kind
5

out of 5

POSTED: | BY:

Friendly staff and good service

Friendly staff and good service
5

out of 5

POSTED: | BY:

Excellent service

Excellent service

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 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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