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: Steve

Your pet's care comes first with Trupanion!

Trupanion is there for you when you need them with prompt service and payments. Our dog had to be rushed to an animal hospital for emergency treatment. Trupanion responded immediately and authorized direct payment to the hospital. We were able to focus on our pet's care and make informed decisions without having to worry about how we were going to pay for her care. We would not hesitate to recommend Trupanion to anyone.
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5

out of 5

POSTED: | BY: Paul

Must have for anyone with a pet

Trupanion has been a lifesaver with my dog Lexie, she has recently been diagnosed with IPMA, an autoimmune condition. The vet bill for a week in hospital and an MRI was over $7000 plus ongoing ventinary care for at least a year upto lifelong. Trupanion has paid for itself. The only thing I would change about my policy would be for required follow up appointments partially covered.
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1

out of 5

POSTED: | BY: Jordan

Scam

Scam! Signed up with trupanion may, 2015. Noticed my monthly payment kept increasing. Went from $77 and, $89 a month to $89 & $107. I called in to be told they increase yearly due to vet prices increasing (funny the vets in the city have increased their prices). I was upset that they didn't let me know (told me they sent a email in April which I definately don't have.) if I knew they increased their rates yearly I would of never signed up.... How much does it increase? Every year for how long?..... I've never even made a claim,! What a waste of money. Scam
5

out of 5

POSTED: | BY: Sharon

I'd be lost without Trupanion

I rescued Heidi, a Bernese Mountain Dog with severe chronic dry eye, 2 years ago when she was 6. Last year, she developed a small mast cell tumor on her side; subsequent checking revealed she had the early stages of lung cancer. I took her to the very best facility in the area, Cornell Veterinary Specialists in Stamford. They removed 2 of her smaller lung lobes and put her on chemo. We are still treating with the chemo, but she is doing very well. Here's a video I did last winter: https://youtu.be/vmCm6M6IBQo. I own an online business dedicated to creating custom pet memorial jewelry, www.ZeldasSong.com, and i have actively promoted Trupanion to my blog readers and customers: http://blog.zeldassong.com/defend-yourself-with-pet-insurance/. I urge any BMD owner to get Trupanion...I don't think I could have kept Heidi alive without it.
3

out of 5

POSTED: | BY: James

Rate hike every year

They say the rate is not affected by your dog aging but my rates have gone up every year to the point they are now over 30$ more than when I first started. They will tell you it is based on the average cost per bread in that area but no way has it gone up that much especially year after year. False advertising and poor rates compared to everyone else. Never again.
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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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