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: Lori

Completely a waste of money

I submitted several claims for my dog's torn ACL ( all the same injury) for cold laser therapy treatment and finally received their decision laiming it was aporoved; however they claim that the deductible was equal to or less than in the policy. So they wouldn't reimburse me anything. It was the same injury that was treated. I paid for this insurance fir over 2 year's and I discovered they offer no benefits worth my time or money. I put my cats on a different insursnce company and am quite pleased with them and was reimbursed several thousand dollars and they have much better coverage than Trupanion has. My recommendation is, don't consider this company for your pet's insurance, they're liers and crooks.
4

out of 5

POSTED: | BY: Jessica

Excellent coverage on claims my only…

Excellent coverage on claims my only complaint would be every year your monthly rate goes up.... since I started with truepanion my rate was $65 a month and now it’s $85 a month. Wish they would honor the rate you start with.
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5

out of 5

POSTED: | BY: toraj zolnasr

i am with them for many years,recently…

i am with them for many years,recently my dog have some problem with seizure and end up at vet special hospital in boundary road and gone through MRI and see specialist etc,up to know the cost came to $10000 and i was get paid according to my plan quick and with no problem.recommend them to everyone
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1

out of 5

POSTED: | BY: Merytre

Nothing but trouble

This company offers nothing but lies. They say they pay the vet directly but they don’t tell you that it takes a while and vets won’t do the procedure/surgery without payment right then. It is very decievimg. I tried to call them to quit but they try everything they can to make you not quit. Do not call of you just want to quit quickly. You will need to talk to them tell them so much information while they try to downplay any other company. If you try to tell them firmly that you just want to quit they will try to belittle you and even call you names. Unbelievable. I have never ever dealt with a company so trying to control you. This is a subpar company keep looking.
1

out of 5

POSTED: | BY: Kimberly

Retroactive deductible changes and

I enrolled my dog at my vet on a free 30 day trial. It had a $250 deductible. My dog had an injury and I had to use the insurance during the trial period when the deductible was the default $250. After I signed up at the end of the period, i increased the deductible. Trupanion applied the new amount to the injury sustained during the trial period and made me pay more deductible. They also refused to combine claims when we went through the diagnostic period for the SAME injury as the incorrectly diagnosed and was called 3 different things by 3 vets. It was the same injury sustained during the trial period that turned out to be a muscle tear. I have had the vets involved and trupanion will not believe them that it is the same condition! Now I have a specific condition that I have already paid deductible on and they already started paying out on. But they are holding the claim and refusing to pay out as they MIGHT call it something different now.... and thereby causing me to pay the deductible a 2nd time. The condition is classified and was submitted the same by my vet's office.
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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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