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.
3

out of 5

POSTED: | BY: Heather Sobry

Very disappointment with the amount reimbursed to us for our first claim.

Very disappointment with the amount reimbursed to us for our first claim. Have paid a lot in premiums and feel the amount reimbursed is not worth it. I am cancelling my policy.
1

out of 5

POSTED: | BY: Elizabeth McPherson

Nothing but a scam

Trupanion waived all existing conditions as a promo with my vet for a very very expensive pet plan. After taking thousands and thousands of dollars of mine, I finally sent in my first claims. The first couple went towards my deductible. But I have learned this is nothing but a scam. They waived the preexisting condition but they don't tell you that means that anything your dog has ever taken as a medication or had as a mild issue simply will not be covered. My dog had cancer. But because she was given a pain medication for arthritis in the past, that means they won't cover it. If she was given any pain meds for any non related to the cancer medications in the past, they wont cover them. One of the agents even said to me that "I should have had her enrolled as a puppy if I wanted them to cover those meds."I paid Trupanion all that money and even though my dog had several thousands of dollars of medical expenses related to brain and liver cancer they have covered less than $300. Talk about stealing your money. It was nothing more than bait and switch. They baited me with the help of my vet who KNEW that insurance companies do this by waiving any and all previous conditions like her knee replacement etc. And if her body had a slightly elevated liver enzyme for YEARS which the Vet told me was just her normal genetic make up. Trupanion won't cover it. DO NOT SPEND YOUR MONEY. They add insult to injury. You will lose your companion AND Trupanion will steal your money. My vet is just as guilty. This is a scam.
5

out of 5

POSTED: | BY: Sandra Avila

we are very pleased with customer service thank you for being there for Shaggy

we are very pleased with customer service thank you for being there for Shaggy
5

out of 5

POSTED: | BY: Julie Pitts

I appreciate the friendliness of the person I spoke with on the phone and that she gave me a clear understanding of what seemed to happening with the claims filed (there were multiple ones filed by my vet for some reason).

I appreciate the friendliness of the person I spoke with on the phone and that she gave me a clear understanding of what seemed to happening with the claims filed (there were multiple ones filed by my vet for some reason). She assured me this wouldn't interfere with me getting adequate coverage for the surgery happening tomorrow. Thank you!
3

out of 5

POSTED: | BY: Casandra Foster

Once again i have to call you guys and tell you to put my mother back on the account every time we have to call you guys you keep doing this shit its a shared account and i am gett pissed off that i keep have to explain that tp you guys.

Once again i have to call you guys and tell you to put my mother back on the account every time we have to call you guys you keep doing this shit its a shared account and i am gett pissed off that i keep have to explain that tp you guys.
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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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