Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,169

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: Olivia Barone

SCAMMERS, HORRIBLE COMPANY, NEGATIVE STARS

if i could give this insurance company a negative review i would. this company does nothing but make you pay for all your pets stuff, the insurance we signed up for was supposed to cover all of our issues with our dog and then they say they won’t cover it even though the issues fall between the guidelines. absolutely a scam I will be telling everyone to stay away from this insurance company. they are horrible, not only do they deny everything and make you pay when they say they will cover it the costumer service is even worse. stay away at all costs if you have an animal.
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1

out of 5

POSTED: | BY: olivia

TRUPANION IS A SCAM!!!!

if i could give this insurance company a negative review i would. this company does nothing but make you pay for all your pets stuff, the insurance we signed up for was supposed to cover all of our issues with our dog and then they say they won’t cover it even though the issues fall between the guidelines. absolutely a scam I will be telling everyone to stay away from this insurance company. they are horrible, not only do they deny everything and make you pay when they say they will cover it the costumer service is even worse. stay away at all costs if you have an animal.
1

out of 5

POSTED: | BY: Bella

Read your policy carefully

- Will spam you with 10+ emails if you just want to get a quote. - For dental coverage, they require your dog to get "an annual dental exam and you follow your veterinarian’s recommended dental care". This can cost you another $1000+ per year. - Misleading practices. They technically don't raise plans due to age - they just put your pet in a cohort with other pets in the area who signed up at the same time. Fees go up as the cohort need more medical care ...which coincides with age. - Problematic partnership with VCA and other private equity owned companies. The payment is only instant if you use one of the partnered clinics, and sometimes not even then. - Does not cover routine or emergency examinations, preventatives, or "recovery and complementary care" - Will make every effort to deny claims as "pre existing", but most pet insurance companies do this. If your dog ate a sock ten years ago and just ate another one, it's "pre existing".
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1

out of 5

POSTED: | BY: Amrik Mattoo

Unfortunately after 14 years of paying…

Unfortunately after 14 years of paying into Trupanion's pet insurance (with no significant claims) when the time came that we truly needed them Trupanion let us down. As our beloved Husky Loki suffered ill health in later life, coverage for her was repeatedly denied. On one occasion we submitted a bill of $618.00 and they covered only $28.00! When she finally passed Trupanion drove in the final nail by refusing to cover the cost of her cremation because she had passed away naturally and not as a result of an accident. So much is conveniently hidden away in the small print of their coverages. The mantra of all insurance companies is "Deny, deny, deny" and Trupanion is no exception.
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1

out of 5

POSTED: | BY: Jamie Soucy

Don’t even waste your money

Don’t even waste your money! Just pay out of pocket instead of paying out of pocket plus paying a monthly premium for nothing! Total scam and garbage!! Also the 30 day money back guarantee is total BS. They pro rate it! Even tho you can’t use it within the first 30 days!
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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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