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.
5

out of 5

POSTED: | BY: Pascale Stang

Great customer service

The agent was thorough, well informed and politely answered all of my questions candidly. I was not sure I was going to keep the policy beyond the initial free 30 day period which is why I called, I had several questions. I felt comfortable keeping the policy after my initial call.
5

out of 5

POSTED: | BY: MAUREEN Shebib

website could be improved

Would have given a 10 but the page with the 4choice boxes should have a direct link to what's covered and not covered etc.in a nano second. It was cumbersome to get there. I had to get help from chat.
5

out of 5

POSTED: | BY: Chantal Laferriere

You guys are friendly and attentive.

You guys are friendly and attentive. Always a pleasure to deal with.
1

out of 5

POSTED: | BY: Renan

Constantly high rate increase

Trupanion has some interesting wording choices that are very fishy to costumers. For example, saying that the rate doesn't increase when your pet ages could simply mean that the rate doesn't go up on my pet's birthday but it will definitely go up every year. Also having no limits for which % the rate can go up is very abusive, I had my rate go up 20% in the first year and 50% in the second year, for a matter of fact I had no claims at all and enrolled when my pet was 8 weeks old. Another misleading statement is saying that your pet won't be penalized for being "unlucky", but you get no benefits at all for having a "lucky" pet, you will still get a tremendously high rate increase. Quoting for an address change also increased the rate to 50% on top of the previous 50% increase, and the answer we receive is about "veterinary costs in that area" which is completely untrue since that new area has cheaper vet prices compared to the current area. In the past, I have recommended Trupanion to all my friends, which will no longer be the case, with abusive rate increases it's not affordable at all and could be a complete scam when your rate constantly increases on high percentages every year. If you're not ready to have your rate increasing randomly and unexpectedly every year do not get this insurance by the time your pet is 5 years and you can no longer afford paying for it you'd wish you didn't sign up for this bait and switch
5

out of 5

POSTED: | BY: Catherine Meagher

Always happy to deal with the Trupanion team!

Always happy to deal with the Trupanion team!
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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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