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: Yannic Rumo

The cost went up from $90 to $203 over…

Don't use Turpanion!!!! The cost went up from $90 to $203 over 6 years. I never used any claims, and the ones I did were denied. Now they are going up to $251 because of whatever reason. Put some money away every month for your pet instead. Trupanion is the biggest waste of money. I would never recommend anyone to sign up for it.
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1

out of 5

POSTED: | BY: Joe

I thought it was a good idea to get pet…

I thought it was a good idea to get pet insure. It's a SCAM don't bother, they will never cover anything. I'm learning the hard way that it's cheaper to just put aside $100 a month for when they get older. I'm done, do yourself a favor and do the same.
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5

out of 5

POSTED: | BY: R Lam

I had my five year old golden on…

I had my five year old golden on trupanion for less than two months after she got a bad oral tumor (wanted to protect against future issues). She passed away. I emailed trupanion to cancel our coverage and let them know. They immediately canceled, refunded the remainder of her coverage for the month unprompted, and they even mailed me a fully handwritten condolence card. Very kind and respectful. When I eventually bring another pet into my life I will not hesitate to use trupanion.
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5

out of 5

POSTED: | BY: Ghislain S

Bottom line - gives a fighting chance

Bottom line, Trupanion gave us a chance to fight cancer. Trupanion gave my soul dog Arthur a fighting chance against cancer at 7 years old. When he got sick, I was terrified and heartbroken. But the claim process was simple and completely stress-free. No paperwork, no delays, no fighting on the phone. They paid the vet directly so I could focus 100% on Arthur, not on bills. Arthur has left us, but I’ll always be appreciative that Trupanion gave my Arthur the opportunity to fight back. They gave us more good days, more tail wags, more time together. I'll be forever grateful they gave us a chance to fight back. These guys are ok in my book. Best decision I ever made for my soul dog. Do not hesiate to trust Trupanion.
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1

out of 5

POSTED: | BY: Rochelle Hollman

Negative Score

If I could give Trupanion a negative score I would. I can’t fathom that anything they do is out of the goodness of their hearts. They have always been trying to pay little to nothing where possible despite physical changes to my dog’s body as it is growing up. The premiums they charge are outrageous and seem to target dogs that have been ill. They can say this isn’t true but the fact is that the premiums are jumping significantly. If this is the rate increase for all animals shame on you Trupanion. The agents that work for Trupanion have been rude and mean to myself as well as my vet clinic. I can’t believe that they are animal owners. They don’t seem to have one nice bone in their body. Heed this warning- Trupanion will market themselves via email and all other forms of social media as the good guy. They are greedy capitalists preying on animal lovers. Do what’s best for you because they don’t actually care.
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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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