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.
4

out of 5

POSTED: | BY: Sharon Cabral

Trupanion rates are skyrocketing, and payments are delayed, compared to years past.

Trupanion rates are skyrocketing, and payments are delayed, compared to years past. Many other pet insurance companies are more affordable.
5

out of 5

POSTED: | BY: B.L. Ochman

Trupanion has literally been a lifesaver for my dog, who has cancer.

Trupanion has literally been a lifesaver for my dog, who has cancer. He is able to have treatment that is working because we have Trupanion!
1

out of 5

POSTED: | BY: Joanne B

Extremely disappointed in Trupanion

I would like to share my experience- so if any of you are in a similar situation- you'll be prepared. My dog is in pretty good health. Every single claim that has been presented, has been denied! A perfect example: She was being evaluated for CUSHING'S Disease because she was exhibiting classic signs, one being thirsty all the time. The claim was denied because they said it had been noted in a prior exam pre- policy that she drank a lot and was always thirsty. Since a puppy, she always was thirsty, like some are always hungry. Always thirsty is 1 of the signs for Cushings (and diabetes and other sicknesses.) obviously the only way to help identify is to do tests. Ultrasound, tests, everything was denied, because it had been noted pre-policy that she was thirsty. Does this sound fair to you?If I could rate Trupanion negative 100 I would. It is a classic example of a scam, as far as I have experienced! Of course I am appealing the claim with full support of her excellent Vet. It has been over 2 weeks since I submitted the appeal and they still "haven't gotten to it yet because they are "behind in their claims" Of course I am canceling her TRUPANION policy and looking for another. I'm so disgusted!
1

out of 5

POSTED: | BY: Juaneth

Horrible thieves

After paying for a year and my dog being healthy and needed a treaty cleaning and then a growth appeared on her thyroid and needed surgery we processed a claim and of course they required a full medical history from birth and found nothing wrong but made up that it was not covered and that I should have taken her sooner even thought I take her regularly to her vet they are the worse thieves all they want is your money.
5

out of 5

POSTED: | BY: Donna Beck

You all are very pleasant.

You all are very pleasant. And ready to assist.
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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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