Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,189

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: Claudia

As much as Andrea understood my concern there was very little she could do to help me.

As much as Andrea understood my concern, there was very little she could do to help me. The increasing cost of my premium makes me hesitate to recommend Trupanion, as there seems to be an unknown about the fair budgeting of it.
5

out of 5

POSTED: | BY: Amy

Trupanion comes through!

Absolutely amazing service and product! Trupanion delivered an amazing service, seamlessly in coordination with our vet and took all the worry out of the cost of our dogs surgery. We were then able to focus solely on make sure our dog recovered as comfortably and as quickly as possible. They truly cared!
5

out of 5

POSTED: | BY: Jim

Trupanion helped save our Maggies life!!!

Trupanion has been awesome for both of our dogs! Because of Trupanion our dogs are healthy , happy, and we are truly thankful we have insurance to keep them that way!! Insurance is a must for pet owners!
1

out of 5

POSTED: | BY: Amalfa

Customer for 8 years, what a mistake

I can see what looks like many false and paid for reviews made on this site. In truth, this company is horrible and please please please if you care for your pet do not go with them. We have been loyal customers for 8 years with my cat. She is older and we have paid thousands to them- obviously thinking this would mean she would be protected in the case of needing expensive surgery. We were wrong. My cat desperately needs dental surgery and they have denied her claim, and her appeals on the claim made my both myself and my vet. She had received a similar surgery 5 years ago and was granted coverage (although with the high deductable and all the things they dont cover- they only ended up covering about 150$ from a $2000 surgery). This time, they claim they apparently changed the coverage last year and extractions are no longer covered. My vet, who recommended them as an insurance provider many years ago, was also very surprised at how they went about this - it was underhanded. I feel stupid because we have paid over a 100$ a month for this insurance (due to her being elderly), and wasted all that money. If we had put the same payment into a savings account instead, we would have had more than enough to cover the surgery by now. The worst part - my beautiful cat is in very bad pain and I dont have the money to cover the surgery. Trupanion doesnt care about pets, animals, or their customers, and are rather only looking to make money and profits off the health and suffering of animals. I am so angry and sad at all this. Please dont make the same mistake I did. I am telling everyone, and already after i have shared this with several vets in my area, they have agreed not to recommend this company anymore. Apologies if i am rambling, but I am total disbelief at how this has been developed. Please, avoid them at all costs.
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5

out of 5

POSTED: | BY: Micheline

Very quick in paying and vet can do claim so very convenient

Very quick in paying and vet can do claim so very convenient
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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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