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: Anna

Premium Hikes

Trupanion raises insurance rates by 10-20% each year. I got it in 2013 when I got a new puppy and have had it for 3 years now. My first year's monthly premium was $51.49, second year $56.35, third year $67.63, and today I received an updated policy with an increase to $81.15. I chose Trupanion because they said they don't increase premiums based on claims or the dog's age, but what I am seeing are huge hikes. They said this relates to increased vet costs in my area, but I am very aware of the costs around here and they have not changed in a long time. Do the math and figure how just how soon this policy becomes useless with annual increases of 20%. Insurance is mainly necessary when the dog is a senior, perhaps at around 10 years of age, and by that point, at this rate, you would have paid Trupanion about $18,000. Pretty sure it's better to save this money in a savings account which pays you interest instead of feeding Trupanion's CEO.
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1

out of 5

POSTED: | BY: Anna

Avoid!!

Trupanion raises insurance rates by 10-20% each year. I got it in 2013 when I got a new puppy and have had it for 3 years now. My first year's monthly premium was $51.49, second year $56.35, third year $67.63, and today I received an updated policy with an increase to $81.15. I chose Trupanion because they said they don't increase premiums based on claims or the dog's age, but what I am seeing are huge hikes. They said this relates to increased vet costs in my area, but I am very aware of the costs around here and they have not changed in a long time. Do the math and figure how just how soon this policy becomes useless with annual increases of 20%. Insurance is mainly necessary when the dog is a senior, perhaps at around 10 years of age, and by that point, at this rate, you would have paid Trupanion about $16,000. Pretty sure it's better to save this money in a savings account which pays you interest instead of feeding Trupanion's CEO. As far as claims go, I had a few the first year without issues. None in the past year but still a huge premium increase.
5

out of 5

POSTED: | BY: Lois

Awesome experience

We had a golden doodle who ate something he was not supposed to and it required emergency surgery. Trupanion approved the claim within a couple of hours and there were no items not covered by our claim. I would highly recommend them to anyone who has a pet. Wonderful service
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3

out of 5

POSTED: | BY: Bianca & Jon

Mixed emotions.

First off, we are thankful we have insurance for Addie as the bill would have been about $10000 at this point and we have paid $2000. The mixed emotion with this review is that we do feel that the marketing is a little misleading in suggesting it is just a $250 deductible. I appreciate the % varies depending on the policy, but to have to pay for consultations is a bit of a kick in the teeth. - It's like selling a car without an engine in it. Clearly it is needed and should be covered in the insurance plan.
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5

out of 5

POSTED: | BY: Nicole

Excellent - if it wasn't for them my dog would be in pain everyday.

my young dog has hip displasia (spelling??) she walked with a limp and would be in pain after any strenuous activity. she was able to get a hip replacement that will make her pain free for the duration of her life
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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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