Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,139

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: Hailey McWilliam

Peace of Mind for Good Vet Care

I have two large, active dogs on Trupanion and wouldn't change that for anything. Having peace of mind that I can provide care and support for my dogs as well as quick payment for my vet team is everything. The only issue we had was not being covered for a bag of gastro dog food my vet prescribed for because of a minor technicality. Everything else has gone so smoothly though and we love Trupanion.
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1

out of 5

POSTED: | BY: Lanny Annie

Trupanion is NOT GOOD

Trupanion is the worst of the pet insurance policies. They have denied every basic claim i have ever made and i have had to go back and fight them all. Eventually they paid. But they don’t do it out of obligation or good will. There are so many better and more affordable companies out there. Do not waste your time with trupanion. Even my veterinary office has changed who they recommend.
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1

out of 5

POSTED: | BY: Adam

10/10 do not recommend

10/10 do not recommend Biggest waste of money you can find, nothing but a scam. Every claim made has been denied, but rates still seem to go up.
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1

out of 5

POSTED: | BY: Samantha Habel

Horrible experience overall

Horrible experience overall. Paid them over 11,000$ in monthly fees over the last 5 years for my 90% coverage as payments continue to increase annually. Haven’t covered a single penny since filing claims over the last 5 years stating condition was “pre existing.” Even denied vet approval for appealing claim as the vet argued it was in fact not pre existing. They took 1 hour to come back with a paragraph denial stating appointment notes all dated 5 years AFTER being insured. Absolute horrible service and waste of money as I’ve spent years paying for insurance and for vet bills and medications for my pet . Cancelled promptly after appeal denial will not be getting another cent. Absolutely Do not recommend. Save you monthly payment to use if anything shall occur with your pet rather than wasting 2k a year for absolutely nothing in hopes they will cover something.
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2

out of 5

POSTED: | BY: Jocelyne. Lemke

Increase monthly payments by 100 % in two years now $222.00

My experience has been ok with you’re company but what is absolutely disgusting is how you increase you’re monthly payment over the past 2 years by more then 100%. When I first got this insurance 3 years ago I paid $103.00 a months then it increased to $174.00 a month a year later and I just got an email stating it will now be $222.00 a month this is absolutely appalling I pay more in pet insurance a month then I do for a $600,000.00 house by almost 100% this is criminal and not ok. What once gave me peace of mind is now causing stress. I will be cancelling tomorrow morning
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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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