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.
5

out of 5

POSTED: | BY: Sandra

Trupanion is Truly spectacular pet insurance.

Trupanion has been very reputable, prompt, thorough and honest in the full spectrum of their commitment and coverage.I am honored and pleased to refer trupanion to everyone with whom I cross paths. By Sharing the web link, I encourage anyone with furry babies to seek out coverage plans with trupanion. Trupanion is my first pet insurance company and came highly recommended to my by my veterinarian. I am thrilled they believe in trupanion and directing me to such a wonderful company!
1

out of 5

POSTED: | BY: Victoria

money down the toilet

My 2 dogs have been covered by Trupanion for over 3 years. I have spent over 5k in premiums and received back about 1k in coverage. I have had several denials, including and most recently a denial of an appeal. They claim that a history of ear infections and allergies may or may not be related to the tumor that was surgically removed from my dog's ear. My vet said that the conditions are unrelated. I am furious. I have sent this company 4k for absolutely nothing. I am not done fighting this and will take it as far as I can go, but honestly, I wish I didnt have to. Save your money! (PS- They are super polite on the phone though ....lol)
5

out of 5

POSTED: | BY: Maria

THANK YOU

We've had our 'puppy' since he was about 7 weeks old and for almost 12 years now. We've also had Trupanion for the same amount of time and although Alex has been very healthy, just over the last couple of years, he's develped Diabetes. It has been a bit of a battle getting his insulin just right, he's starting to lose his eyesight, etc but he's a happy lovable dog who also loves everyone and everything. We can't thank the Trupanion team for 'walking' this journey with us. They have made coming to terms with this situation - emotionally and financially - easier. Again, THANK YOU!
3

out of 5

POSTED: | BY: Colleen

I tried the instructions for sending in a claim from my phone, but didn't hear back.

I tried the instructions for sending in a claim from my phone, but didn't hear back. When I called to see if Trupanion received it, the rep couldn't tell me because she said it takes a couple of days, to call back. I did call back and it was never received. The second time I called, the gentleman was able to be very helpful.
3

out of 5

POSTED: | BY: Ann

I think the increase in rate is exorbitant and am concerned that it will be just as much every year, by which time your pet will be uninsurable with another company.

I think the increase in rate is exorbitant and am concerned that it will be just as much every year, by which time your pet will be uninsurable with another company. I will do more research before I make any changes because, the service is excellent.
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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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