Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,154

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: Shane Doyle

BUYER BEWARE BUYER BEWARE!!!

BUYER BEWARE I insured my cat at 3 months old for $77/mth. On my first renewal, 1 year later (my cat is only 15 months old) they are raising my premiums to $110. This is a 41% increase on the very first renewal on a very young cat. I have not made any claims for him at all. I spoke to Trupanion and they assured me that they are entitled to raise the premiums once a year for as much as they think they can suck out of my wallet. I will never work with this pathetic company again. EDIT : NEVER WORK WITH THIS SCAM COMPANY! Many reports of them doing this to other people, raising the premiums by ridiculous amounts at renewal time. Shameful!
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1

out of 5

POSTED: | BY: Tim

I am highly disappointed with the…

I am highly disappointed with the business practises of this insurance. They grossly miss represent the coverages and will not stand behind the mistakes. Even though I have not been able to use my insurance for anything that was clearly stated. I had a refusal of the refund on top of a very rude supervisor named Michelle. Now I get the fun of waiting 5 to 7 business days for a manager to get back to me. Avoid this insurance at all cost. It will only cost you more money at the end of the day and cause you more unnecessary stress if you were depending on this for financial assistance.
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5

out of 5

POSTED: | BY: Laina Parkes

One of the best decisions we made

Our girl had insurance with Trupanion for almost twelve years. I can say unequivocally that it was one of the best decisions I made, and Trupanion was there for us from the first time we needed insurance. Yes, the costs rose a lot over the years - as did cost of living and veterinary costs. It was 100% worth it, and I have no doubt it helped us get many more years with our girl than we would have otherwise. I cannot say enough about the peace of mind having the insurance gave us, and the processing of claims was always prompt and straightforward. Heartbreakingly, we recently lost our girl, and have had cause to reflect on the presence of Trupanion throughout her life. We are truly grateful, and would not hesitate to recommend them to anyone. Thank you for all you do.
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1

out of 5

POSTED: | BY: Bert Thorne

In 10 years our monthly payment went…

In 10 years our monthly payment went from $50.00 per month to $156. As well my dog went in to have a lump removed on his leg , the vet found another growth and removed it . We were two deductibles because the were two different type. I am now paying just $2000.00 per year for insurance.
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3

out of 5

POSTED: | BY: Patrick

Pet insirance is like property insurance not health insurance for human

There are many pet insurance companies out there, trying to make a buck out of you. Yes, all insurance companies will try to deny your claim in the name of pre-existing conditions. You should therefore start insuring your pet at a very young age and do not disrupt its coverage. There are also many deductions, such as taxes not covered and deductible per illness. Just a different way to calculate the risk of paying out, like some insurance companies will deduct the payout with an annual deductible and co-paymemt.
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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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