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.
4

out of 5

POSTED: | BY: Taylor Baumfeld

High cost but relatively pain free pet insurance

Edited my my review from 2 to 4 stars as there was a communication error. Initially I was under the impression we had been overcharged for 2.5 years; however, after Trupanion and I reconnected, we found out that they do not change the policy price based on age and there was a breakdown. We were paying $160/month. We used it once in 4.5 years. The claims process was relatively easy and had no issues aside from the pricing.
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3

out of 5

POSTED: | BY: KW

Expensive

My dog recently passed away due to chronic kidney disease. It was great that they covered the expenses, although I had to pay my deductible multiple times for the same issue... In the end I probably paid almost half of the bills anyways. The one thing I hated about Trupanion was their cost of coverage increased every year. It started at about 70$ every month (at less than a year old) to about $226/month when my dog was 7 years old - my deductible was $900. It ridiculous how much it increases per year just because my dog gets older.
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1

out of 5

POSTED: | BY: Yannic Rumo

Horrible to deal with and most claims…

Horrible to deal with and most claims are getting denied! The only thing they seem to be successful at is raising their monthly cost! Started at $95 in 2016 and am now at a $203 monthly fee! Do not choose Trupanion, your pet deserves better!
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1

out of 5

POSTED: | BY: Kaas

They deny most claims, not worth it

This company has multiple minimum $500 expense amounts for each body part or ailment (four separate claims were approved but each condition had a $500 copay first so we recieved no reimbursement). We had a several thousand dollar bill for an injested plastic piece that needed multiple scans and were only paid out about 28%. When I called to cancel, they tried to blame my frustrations on having such a high deductible (only $350). Trupanion has, like many of the negative reviews, reached out but I have no interest in engaging with this company, having already made true statements about their (lack of) services with their insurance plan. Do it right the first time Trupanion! Trupanion, do not bother calling or emailing me as I will not respond to you.
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1

out of 5

POSTED: | BY: Kaas Versa

Trupanion denies most claims and is not worth the monthly payment

This company has multiple minimum $500 expense amounts you must reach for any pay out and they deny almost everything that is claimed. We had a $3900 bill for an injested plastic piece that needed multiple scans and were only paid out $800. When I called to cancel, they tried to blame my frustrations on having such a high deductible (only $350).
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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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