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: Heather Brooks

Fast, Simple, and Appreciated

My vet was able to do what was needed to assess what was wrong with my dog and send in the bill directly to you. This meant I only had to pay my share. This was greatly appreciated. Now I have a specialist coming to do the needed surgery without a long delay. Thank you
4

out of 5

POSTED: | BY: Diane LeBlanc

Learning Pains

The claim was processed quickly, it is nice to pay what is not approved only to the Vet. It is disappointing Trupanion doesn't pay for the Taxes though, there always seems to be something that is not covered, so although it is beneficial the little surprises not so much. Learning pains i guess.
5

out of 5

POSTED: | BY: Ruth Gutfriend

Best care of our Toby.

Trupanion is THE Insurance company that takes care of you when you need them. We feel that our Toby is in good hands with them and they are quick to respond to our needs. Thanks Trupanion!—Ruth, Prince George B.C.
1

out of 5

POSTED: | BY: Jeremy Fox

Bad experiences. Even after they got caught in a lie.

I bought insurance for my puppy within a few months. I made a custom plan that suited what I wanted to cover just in case. The rep told me I would get the rate $98 a month for my pups life and it will never change. Speed up one year and my monthly cost went up $20. I called and they said it was cause costs of care went up keep in mind I never had a claim. So I argued that and told them what I was told and she said I was wrong. I told her to listen to the first conversation when I signed up and she did and to her surprise I was right, they said never go up or change. Her response to this was sorry theres nothing they can do. After fighting for few months nothing changed but my rate. Year 2 it went up again with still no claims. I canceled after that as they sold me something that was a complete lie and they couldn't do anything to remedy the situation. My suggestion would be to just put the monthly cost into a savings account and not there pockets. This was my experience so hopefully this helps some people. The cost raised twice in 2 years from. 98 to 128 a month. When I was enrolling the lady I was talking to confirmed my monthly cost would never change. No mention of cost of service rates changing. I thought that's why you buy it when pets are young to lock in best rates. If i was told about them raising their costs i would have probably declined it. Going up $30 a month in 2 years is unacceptable when they confirmed it would NOT change.
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5

out of 5

POSTED: | BY: Simroop Ladhar

If you need insurance, go with trupanion!

When I got my puppy, he came with a 1 month trial of Trupanion insurance. After the month was up I was hesitant (was unsure of the benefits of having insurance) to sign up, but at my Vet's recommendation I did anyway. About 4 weeks later my puppy decided to swallow a plastic toy. Trupanion truly saved me huge costs! They paid over $2,000.00 of my vet bill. On top of that I did not have to worry about submitting any forms or waiting for payment as my vet was able to direct bill them! I am so thankful for their amazing service and benefits.
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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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