Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,872

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 4.6
  • 4.8
  • Count
  • 6
  • 225
  • 25,872

Updated: May 29, 2024

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: Sophie Anctil

Abusive increase not a way to treat your client!

I own a 2.5 years old Australian Shepeard, never made a claim. First year insurrance was 50$/month, last year increased to 65$ just receive the price for this year 80$/month. Remember I never made a single claim. Increase is abusive I suggest putting money in a bank account and if needex use it, if not at the end of your pets life pay yourself a wonderfull vacation in his memory. I will cancel the insurance right away!
4

out of 5

POSTED: | BY: SibeDad

Warning! Read and review Trupanion Policy.

[Updated June 03] After the third review of my claim Trupanion has covered the majority of my claim, less the $500 deductible. Thank you Mary and Trupanion for your special consideration due to the circumstances. I will modify my review to 4 stars accordingly. [Original review May 26] I have had several dogs covered by Trupanion in the years since my 1st enrollment in May of 2005. My experience with Trupanion [formally Vet Insurance] has been very positive through some very costly medical issues over those nearly 20 years. My most recent experience has been anything but positive. I am currently the very proud guardian of 4 dogs, only 1 of which, a 13 yr old female, is currently being covered by Trupanion since she came to me in 2013. Trupanion has not paid out one penny in claims over the past 11 years for my very healthy girl, although I am paying $190/month in premiums, just for her coverage. Recently during my girls annual check up it was recommended by my Vet that she have a non emergency dental procedure, no recommended time frame was given. Due to circumstances, I cancelled an initial appointment for the procedure scheduled for 14 days after the recommendation. Not remembering a line in the policy, I took out 10 years previous, stating a dental procedure had to be completed within "3 months". I unfortunately waited 3 months less 2 days to make an appointment, however the procedure could not be completed until 3 months and 15 days after her initial appointment. Because I did not keep up on every nuisance and word of the Trupanion Policy, Trupanion rejected my claim and an appeal made both by myself and my Veterinarian explaining the circumstances. Despite paying $9,412.02 in premiums over the past 10 years 5 months for my girl alone, Trupanion has decided to rejected my claim for $1,479.46 based on 1 line, buried in their policy. I will have to seriously consider if I wish to continue paying $189.18/month for my girl's coverage. Coverage that apparently that does not exist. A premium that increased 35% and 25% annually over the past 2 years, or find coverage that I can count on , and afford, elsewhere, as I have done with my other 3 companions. [Update May 30] Trupanion has contacted me, as stated in their reply to my review. They are going to reassess my claim once again. I am hoping for a more positive outcome.
1

out of 5

POSTED: | BY: Jana Lynde

So Disappointed

I wish I could give a zero star rating. I have sent 30+ emails asking questions (yes, it was the correct email, not the one that says 'do not reply') and made 4 phone calls. I just want to know what my dog is covered for. I had to do the leg work and phone my vet to send the information to trupanion. They said they were waiting on the vet to send my dog's information, but in reality, they had never contacted my vet (this was a month and $175 payment in). So, even after me doing this work for them, they couldn't tell me what my dog was covered for. I paid over $300 for two months and no one is even returning my emails. I just cancelled today. And the person on the phone said 'I wish you had tried contacting us' - a complete joke! As I said, 30+ emails and 4 phone calls. How much more 'contact' with you do I need to make! So disappointed! I really wanted this to be a good fit for our dog.
5

out of 5

POSTED: | BY: Thom Williams

A Protector of our companion

From day one trupanion has been an excellent companion support protecting our four legged family member in many situations that we never expected to experience in our pet ownership. They deal with us in a professional, warm personal and friendly way. The protection offered is clear in terms of what is and isn't covered. With claim support, they have always been prompt and thorough. This is insurance that is truly there when it is needed and not hiding behind a mountain of excuses!
1

out of 5

POSTED: | BY: Graham

Make a claim, pay more for your premium

Trupanion raised our premium $27 over the first three years of my dog's life. That's an obscene amount. At this point, it is definitely cheaper to not have pet insurance. Why did they do this? Because "similar dogs in the area" were making claims. AKA my dog that has made claims due to allergies - who they clearly don't want to insure anymore. And now that screws me on any other insurer, and they know it. It's an absolute bait and switch.

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 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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