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: Ana

They just interested in your $$$ not u pet. Bogus excuses not to pay claims (preexisting when they not) just so they don’t pay

Several claims (4) issued, all denied with excuse that they were pre-existing (acid reflux) were reason for pneumonia 4 months later on one of his lungs and 3 weeks later developed pneumonia on the other lung, nothing related to his GI issues when he was 3 months. Never saw a dime $$$ regardless of several calls and second review which further acknowledges the diagnoses. It’s like saying pregnancy is a preexisting condition since u have an uterus and eggs. All they care about is taking u money and making processes while u waiting for process you keep paying ( 1st claim, declined, appeal, review, declined, 2 nd claim declined, appeal, review, declined.....= $$$$$$$$$$$ from you and all you get is DECLINED!!!!! Worst company ever, they don’t care about you or your pets, just your money.
1

out of 5

POSTED: | BY: Joanne

Worst pet insurance ever, deny, deny, deny, no matter what, don't give any payouts to our consumers, joke insurance!!!!!!!!!!!!!

You said rates will remain the same. Why don't you tell the truth? Like the rest of us do. My doctors rates have gone up $10.00 in the past ten years, why do you increase my rate $100%!!!!!!!!!!!!!! Bunch of baloney. Finally you people have decided to pay for my dogs furuncle medicine (not for the doctors treatment of it.) We'll see if you keep up this disbursement or find another excuse to not pay. You couldn't pay for my dogs fractured tooth, DENY. All the money I've invested in your "insurance" has only rendered me unable to find proper insurance for my dog. I am a dog walker and will never recommend your insurance, I will be sure to inform people just how you don't pay out. What was the problem with her fractured tooth bloodwork, surgery etc? This has nothing to do with insurance, it's a payment plan in your favor. Your people told me once to investigate what the doctor wrote in his notes. isn't that your job? Call the vet yourself. Alexis B. said on November 22/2018 that she would reach out to me after she followed up with the claims team November 23. Wow, that was a good follow-up.............. I Got Nothing for this follow-up. Joanne Lujan, one very unhappy customer.
4

out of 5

POSTED: | BY: Tara

good but long wait time

Unfortunately I had to request payment for a large claim after my dog was ill. I appreciated the coverage provided, but it took an extremely long time for my details/ dog’s history to be verified and the claim to be paid.
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5

out of 5

POSTED: | BY: Debbie

Trupanion..the best decision I ever made for my dogs and my pocket.

You think nothing will happen to your pets. Well after I spent $12,000 I finally woke up. I was just a little late. Pets are part of the family and when they end up at the vet it can be costly. I happen to have a brother and sister. Consequently what happened to one eventually happened to the other. I couldn’t have picked a better pet insurance than Trupanion. They are easy to work with and their payment process is very easy. They respond immediately and answer questions.
5

out of 5

POSTED: | BY: Boulat

Best Pet Insurer period

I have shopped around and can confidently say that Trupanion is the best pet insurance company out there. They are quick to process the claims and provide excellent customer service. Thank you.
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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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