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: Alexa Allen

The person I spoke with was patient and knowledgeable about the specific case, however I was highly disappointed in the resolution to our claim.

The person I spoke with was patient and knowledgeable about the specific case, however I was highly disappointed in the resolution to our claim. The reasons our claim (ectopic ureter) were rejected were incredibly arbitrary (drinking too much water) and both our vet and trainer wrote letters of support that this shouldn't have been considered a preexisting condition for the purposes of the policy. (We had just rescued our second dog and he had some behavioral issues that were being addressed by a trainer, including over consumption of water.) Trupanion used vet notes where we mentioned that our new pup drank more water than our old pup, and sometimes urinated in the house, as the basis for rejection. We have policies for both of our dogs (and have had the other policy for 2+ years). We have only filed claims once before, but were under the deductible so have never once benefited from having the policy. This would have been the first time that we were eligible and it seemed like we immediately were excluded for the most arbitrary reason. It left a very unsatisfied reason regarding Trupanion and we are highly considering canceling our policy, as we don't have a good feeling about future interactions with the company.
5

out of 5

POSTED: | BY: Theresa Vahalik

Peace of Mind

I have had Trupanion for several years now for three large dogs and I never had to worry about the cost of a much needed procedure or illness because I know Trupanion will be there and makes having pet insurance truly affordable especially when you have multiple pets because you decide your deductible which makes your monthly premiums affordable so every four-legged family member is covered. Two particular times that come to mind was when my dog Jada tore the ligaments in her back legs at two different times, requiring two separate TPLO surgeries. I was able to take Jada to the best Orthopedic surgeon in Texas for treatment and now Jada is back to being the athletic dog she was always meant to be. I have found Trupanion to be prompt and very caring during the most difficult of times when it came to the care of all of my dogs. I will keep this insurance and I always recommend it to friends when they ask me how I keep my dogs so healthy.
1

out of 5

POSTED: | BY: yassiel rivera

Scam

Had trupanion for over 5 years, every year the police was increased. Started paying around $40 a months by the time I canceld they were charging me $100. At one point they tried to raise my premium because I had moved 3 blocks from my old house still within the same town. Never put a claim in and the one time I did for $300 it was declined. Canceled right away never again, also took forever to process the claim it was under review for over 3 weeks. Every time I called was told the claim was being reprocessed should be almost done, then one day I receive an email that the claim was being closed do to missing information!
5

out of 5

POSTED: | BY: Debbie Vigliotti

Thanks to all who helped review and assign benefits quickly to get my payment to me.

Thanks to all who helped review and assign benefits quickly to get my payment to me. I am grateful. It was a pleasure working with you especially Teri Vasquez.
4

out of 5

POSTED: | BY: Donna Ciufo

I will answer this when I have a claim that isn't pre existing.

I will answer this when I have a claim that isn't pre existing.
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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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