Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,151

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: Diane

Stress Free

Excellent service, and no added stress or worries during an already stressful time with our beautiful dog. Thank you for being there for us; we liked that the animal hospital was able to put in the paperwork immediately, which really lightened the load we were feeling. We would have had to put our dog down if it wasn't for Trupanion. We didn't have to fear about being overcharged. Trupanion stayed true to their values. We are so appreciative!!! Sophie is healing well despite that fact that it has been difficult to keep our active, young girl "quiet" so that she can to heal quickly. I think she knows that she was in danger of losing her life, because she is even more affectionate than before her accident.
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1

out of 5

POSTED: | BY: Hayley

What exactly does Trupanion cover?

I bought my senior dog pet insurance through Trupanion knowing that his arthritis and allergies wouldn't be covered, because I didn't want to make major end-of-life decisions based on my budget. Two years and $1,500 of insurance later, and he has a suspected spinal stroke or disc rupture. A MRI costs almost $5k. This is the exact scenario I bought the insurance for...and Trupanion refuses to cover it based on the preexisting condition of arthritis. Now, I'm not a doctor but I do know that arthritis and a spinal injury are NOT the same thing. Over 2 years, they've covered some vet visits, but I've never actually made it past any of the deductibles. Their agents are friendly and they process claims sort of quickly, but that's not very helpful when they don't actually cover anything.
5

out of 5

POSTED: | BY: Rania

Trupanion is the only insurance you don’t say no to.

My vet at Vellore Woods recommended we get Trupanion insurance. My dog is not even a year old and Trupanion has already helped us so much. You will not regret getting this insurance.
1

out of 5

POSTED: | BY: Sarah

Asked for a simple payout invoice breakdown of what was paid percentage wise. Two days ago I’m still waiting

I called Truepanion a couple days ago requesting a breakdown of an invoice that my vet submitted to Truepanion for an emergency my dog had and Truepanion has since paid out on. The amount paid out was less than expected. One would think the invoice on trupanions end would have been broken down already and available by email. It is Friday I called Wednesday then called again Thursday. I just want the invoice and can’t seem to get it ! I just want to know what portion of procedures truepaion did pay out on. As it was not 10% that I was left paying of the bill. I appreciate the ease of the vets being able to get estimates back from truepanion and the kind voices on the other end of the phone but honestly I’m finding it frustrating I just want answers in which I’m not getting
1

out of 5

POSTED: | BY: Polly

THEY DON'T PAY

The literal WORST insurance to have. A friend spoke highly of them so I decided to give them a try for one of my pets even though I was satisfied with my other pet insurance I have had for my other cat. In the 2 years that I paid almost $80 a month I had one claim with them and they refused to pay it. My cat went to the vet for unknown medical reason showing a symptom of vomitting. They checked him out and could not find a cause nor a diagnosis and he basically just got over it. But Trupanion took a good and thorough amount of time scouring his historical medical records looking for a REASON NOT TO PAY. They justified a denial because my cat had historically had an issue with vomitting from a hairball. SERIOUSLY! History of vomitting was their reason of denial. So I got stuck with the $300 vet bill. Effectively they have made that money from me in 4 months of those 2 years that I have paid $80 per month and he has literally been to the vet ONCE because he is healthy, They are useless and NOT to be trusted. I'm sure they spent more money on staffing salary to scour the medical record and find a reason not to pay me than they would have if they sent me a check for $200. And frankly the reason is not a good one. I would completely agree if it was an actual diagnosed preexisting condition, but frankly I consider this borderline theft. Which BTW...does anyone know a cat that has not vomitted from a hairball? Just curious! I would say who my other insurance is that has treated me really well but I don't want to discredit my very well earned and deserved review.
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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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