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.
1

out of 5

POSTED: | BY: Robb

Terrible. Trupanion is terrible.

All of my claims get rejected. This forces me to go through the appeal process. Very time consuming and incredibly frustrating. Appeals eventually get approved, but they will do ANYTHING to reject.
5

out of 5

POSTED: | BY: Nancy

Thank you, Thank you, Thank you!

I wish my own health insurance was as easy as Trupanion is. Customer service upon set up was second to none. So friendly , knowledgeable , and personal. Upon set up I was hoping I would never have to need your services but I did and had zero concern of any cost to come from my pups health requirements. Direct billing and quick response with claims. The worry of ‘what if’s’ happening are gone. Love Trupanion!
1

out of 5

POSTED: | BY: Amanda

Worst Company

I initially signed up for Trupanion as it was recommended by a trainer I spoke with.. their policy sounded good, however, Trupanion will do anything to get out of paying for a claim and deem something is pre existing. I had ongoing issues with Trupanion picking and choosing their words in their outcome letters making it sound the way THEY intended it to, versus being 100% factual. For example, I understood our puppy would be pre existing for a common parasite she got during the waiting period....I contacted trupanion to inquire how it would work moving forward-- as like humans, animals can have similar symptoms for different diagnoses... this was the case with our pup...we ended up taking her in to the vet-- and her initial symptoms were not pre existing....furthermore, nor was the diagnosis the Veterinarian gave her .. so I decided to appeal their decision... I spoke to.the Veterinarian thereafter and was informed that she made it VERY clear the claim I had submitted was unrelated to any previous visits... she was asked to clarify three times by the customer service rep... Shes a Veterinarian for goodness sake ! I would think her judgement would not be questioned multiple times... I understand the need for clarification but multiple times? Unprofessional. Hours later I received yet another denied claim....when I read the outcome letter-- it was disgusting... the words were picked and chosen through past medical records and dates that were not even pertinent to the claim ! To.ensure it sounded like it fit somewhere in preexisting.. disgraceful! I have no more energy to fight with an insurance company although I know their decision was not warranted and goes against anything I have read in their policy. Additionally, it doesnt make sense given the conversation I had with Trupanion when we called to inquire about what pre existing meant... now-- it's an umbrella term... as in, although our pup received a different diagnosis... because it was still "GI related" her new recent and never before diagnosis was denied. Perhaps I should have known better....insurance companies will take an individuals hard earned money and do anything not to pay out ! What a rip off! I am appauled at the shadyness of this "company".. perhaps in an emergency situation with emergency surgery they wouod be better... but I'm not willing to continue to spend my hard earned money with the chance of A MAYBE. shame on you Trupanion!
5

out of 5

POSTED: | BY: Madison

Trupanion was great and helped us in a medical emergency so much.

Trupanion was great and helped us in a medical emergency so much.
5

out of 5

POSTED: | BY: Jenn

Trupanion has always been great when my dog has had an health issue.

Trupanion has always been great when my dog has had an health issue. Also they explain why something wasn't covered.
Please leave a review

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  
Provider website

Get a quote today

Leave a review