Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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: Hassan N. Rasmi

READ TILL THE END TO GET A FULL PICTURE…

READ TILL THE END TO GET A FULL PICTURE OF AN AWFUL EXPERIENCE FROM START TO END, IN ONLY 30 DAYS. "Pre-existing conditions" are hunted for from the very first pet visit. The reason you get a 30-day free trial with the "no waiting period" kicker is because that's the best opportunity for the insurer to capture as many "pre-existing conditions" as possible. Alternatively, if you go visit your vet for a regular examination, when there is nothing that is particularly worrying you, and which the vet would, by default, not have anything to make notes about, you would be able enroll on your own, take the waiting period loss, but ensure that Trupanion would not be hunting for random "pre-existing conditions" that are NOT pre-existing by any means, but are only concerns that you had as a caring parent. This is what happened to me. I went to my vet because my 3.5 month old puppy was itching (as they do), and the vet advertised the whole free trial and no waiting period marketing scheme, and I said sure, there is no harm in trying for free. Except that I was 100% wrong. Because what I went to CHECK for, preventatively, and out of care, turned out to be something that denied me of any skin related coverage FOR LIFE. The puppy is 3.5 months old. He was itching. It's ludicrous to me that this insurer took my vet's notes, discussing itching, as a pre-existing condition that warrants denying me coverage for life. On top of all of that, even if we assume that I am terribly wrong and have no idea what I'm saying, the service was horrendous. The woman talking to me on the phone was beyond unsympathetic and was telling me about how my situation was like "getting into a car accident and buying insurance after the fact", which not only shows how terrible she is at analogies, but how utterly incompetent she is at her job. To top it all off, when I told her to cancel the policy, she ended up hanging up on me. I was admittedly upset and clearly worried about my puppy, but NOTHING excuses this kind of service. NOTHING. I could have been wrong for many reasons, but nothing excuses such horrendous service. INCREDIBLY disappointing.
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5

out of 5

POSTED: | BY: Paulette Taje

Best Customer Service Ever

This review is long over due. Words can not express how truly grateful I am to Trupanion and their team. Every person I have dealt with has not only been professional but compassionate . Claims are handled quickly and they are always there to help . You never know what kind of illness or accident can happen to your pet. Our dog was hit by a car ( came out with only a scratch) and almost died from meningitis. If it wasn't for Trupanion we would still be struggling to pay our vet bills. We thank you and Jojo the Wonder Mutt Thanks you
5

out of 5

POSTED: | BY: Carole Fast

Couldn't have done it without you!

Recommend to anyone I see..
5

out of 5

POSTED: | BY: Catherine Crowe

Shannon was helpful in general

Shannon was helpful, in general I was a bit caught off guard to have had our one dog's premium go up so much this year.
5

out of 5

POSTED: | BY: Sue Wiggins

Trupanion has helped us out tremendously

Trupanion has helped us out tremendously with our boxer over the years.
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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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