Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,870

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 4.6
  • 4.8
  • Count
  • 6
  • 225
  • 25,870

Updated: November 13, 2023

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: Nikol Sinclair

RIP OFF Expect compounding 20% increase annually

I am a former vet tech with a degree in animal health and a lot of knowledge on animal physiology as well as the cost of vet care. Trupanion outright lies when they say that your rate wll not increase if you make a claim. I have the evidence in writing from them. They said the "cost of vet care" is determined by the cost of actual vet care for the type of animal in our "region" later a rep told me they meant ZIP CODE. So if I have three Pekingese, which I do, insured with this company and my pekes had several claims in a year, of course my rates would go up. My rates for Peke 1 : 2010: $35.51 2011: $59.70 59% INCREASE after the first year! 2012: $45.21 25% decrease from prior yer but still 22% more than the 1st year which far exceeds the increase in the cost of vet care in my area over 2 years (not to mention I paid $290 in EXTORTED premiums for the 2nd year of coverage) 2013 $48.11 approx 6.5% increase from prior year; and 36% increase over 3 years = NOT CONSISTENT WITH INCREASE IN VET CARE COSTS IN MY AREA` 2014 $53.43 roughly 11% increase = NOT CONSISTENT WITH INCREASE IN VET CARE COSTS IN MY AREA` 2015 (information missing, but I assure you it didn't decrease) 2016 $85.49 241% INCREASE over 6 years! The actual cost of vet procedures has increased maybe 10-15% in the 6 years I have had my pets insured with this company. They trick you by using phrases which make it seem like your costs will increase with the cost of procedures and not with the filing of claims but this is totally false. Shame on you, Trupanion. Shame on you.
5

out of 5

POSTED: | BY: Floyd Achenbach

AWESOME

Please ask for Phil or Kendra. They are Outstanding and can answer all your questions and are very thorough and patient and kind with everything you ask or need to know from them. Their knowledge of the company is outstanding and you will get the best customer service possible. Did a lot of research and this is an outstanding company best in the business you won't be sorry by doing business with true companion.
5

out of 5

POSTED: | BY: Larry Gilbert

Trupanion is amazing!

In the past 18 months our cat, Max, has had 3 operations. If not for the operations he would no longer be with us. His total medical bills were nearly $15,000, and Trupanion never even questioned one of the bills that we submitted. Within 1 week of submitting the bills, I would receive an email indicating that they were sending me a check, per the terms of my insurance , for 90% of the bill. I only wish that my personal health insurance company was as responsive. Thank you Trupanion!
1

out of 5

POSTED: | BY: Sunny P

Moving will cost you BIG TIME

After 6 years of paying our bills and being happy with Trupanion, we have to say we are so disappointed that they turned to be just another crappy insurance company using any excuse they can to increase our premiums. Our rates went from $66/month to $96/month because we moved. Not to a different country. Not to a different province. Not to a different city. We moved 10.5km in the same city and our bill is going up $30/month. What a big "F-YOU" that is to us.
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5

out of 5

POSTED: | BY: Theresa Chiancone

Thank you!

Tasha had numerous illnesses over her life, the last being cancer. Trupanion allowed Tasha to live comfortable for as long as possible. We would not have been able to cover the medical expenses without this coverage. I would also like to thank the many claim handlers who helped us. Each were very professional, understanding and caring. I recommend Trupanion to anyone who loves their pet!
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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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