Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,144

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: Judie

The promise is better than the coverage

Their ads promise excellent coverage, but that is not what happened in our case. I had a number of complaints, but one was that our adopted dog had an ear infection when we got her in June. (She'd been "on the street" for who knows how long.) She was treated and it cleared up In November/December while she was in surgery for a dental problem, the vet examined her ears and found they were infected again. Second infection was not covered. Trupanion deemed it a pre-existing condition. Why? When I complained I was told that "ear infections are often caused by allergies". They can be, but there are also other causes. After the second occurrence we started giving her allergy meds as a test. However, the diagnosis was not made even after she had the second infection; we are still waiting to see if this works. In my opinion, the infection should have been covered; if the ear infection returns yet again, at that time it is reasonable to consider it to be allergies and therefore pre-existing. Another problem I have with the coverage is that they do not cover "examinations". The same dog had an abscessed tooth. They did not cover the exam or testing for the tooth, although they partially covered the surgical extraction and repair. Even if a dog is, God forbid, hit by a car, the "examination fee" (otherwise known as "office visit") is not covered. I have not checked, but I believe the x-rays would also not be covered as they are diagnostic tools that fall under "exams". The third issue is the "per event" deductible. Fourth? No wellness coverage at all ever. It's not offered.
5

out of 5

POSTED: | BY: Samson

I <3 Trupanion

When I got my dogs, the first thing I did was insure them. I thought that they meant so much to me that I never wanted to have to decide if it was too expensive to heal them. 3 years after starting, my dog Jake tore his CCL. My vet told me he could do a quick surgery for about $2000 and my dog would get about 20-30% of his leg back. One call to Trupanion and they said they would do whatever it took to get him all fixed up and now you can't even tell he ever had an injury. Two years later his other leg has gone, and it was even smoother. My boy is recovering sitting next to me and I am so grateful that I am not being hit with a $6000 vet bill.
2

out of 5

POSTED: | BY: K. Liu

Good, but only b/c I'm stuck with them

I enrolled my dog in Trupanion back in 2008 when they were called Vet Insurance. Back then, they were great. Low monthly premium, no deductible, and 90% coverage for everything. Quick responses and cheques. Forward 8 months later and premiums increase due to "rising vet costs in the area". Several notices of increases over the years meant that it was no longer financially doable for me to keep the same coverage I had, it had gone up to over $150/month (it started at $35). So yes, they "Doesn’t punish pet owners for filing claims by reducing coverage", but they'll find another way to punish you in the only other fine print that allows them to raise premiums.
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5

out of 5

POSTED: | BY: Katie

Amazing! took away a mountain of stress

My claim was processed the next day and I had my check within a week. It eased my mind knowing I had such a great insurance company for my dogs. I was able to just take a picture of the receipt and the claim for and email it off from my phone. Super easy.
1

out of 5

POSTED: | BY: Disappointed

Trupanion cancellation nightmare

Trupanion is a nightmare to cancel. When you call to enroll anyone can help you with enrolling but to cancel you need a different type of "specialist" whom are always busy and unavailable. I called to cancel the day after enrolling because I changed my mind. And I was told a spcialist would call me back to help me cancel. No one ever called me. I continued to call them and on the 9th day finally got through to a specialist. Got an email confirmation for cancelling and to my surprise given less than 38 bucks less than want I paid to enroll. Yet their policy states that I'd get all of my money money if I canceled within 30 days and no claim. So they first made it difficult to cancel, NEVER returned my calls and then kept my money. WTF! Stay away. Worst scam ever. Glad I left as soon as I did.
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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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