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.
1

out of 5

POSTED: | BY: kim armour

terrible

I have been paying premiums for 6 years. Second claim I put in and second claim rejected. First claim was for dog needing soft tissue surgery. Dog has Addison's disease. Pre existing and this I understand and accept. The surgical wound was slow to heal due to incision being on joint (hip) with a lot of inflammation and infection needing to come out. Dog also ripped incision open and needed staples which further delayed healing. They blamed healing delay on addisons disease and rejected claim. The vet sent them letter disputing the claim stating that the surgical incision healing delay was NOT related to the Addison's disease and they did reimburse. Shouldn't have been needed though. Second claim was for ear infection so bad ear had to be flushed under general anesthesia. I opted to have the dogs teeth cleaned while under. The teeth cleaning is not covered which I understand and accept. The are refusing to reimburse the cost of 177 for the anesthetic and 73 for professional and nursing care. They claim these fees are vet and consult fees. Someone on the phone told me to get a letter from my vet stating what percentage of the anesthetic was related to ear flushing and what percentage was related to teeth cleaning??? This is the stupidest thing I have ever heard. They also claim they do not raise premiums as dog ages yet they never forget to raise my annual premiums. This is the worst company. Please research before signing up with them.
5

out of 5

POSTED: | BY: Gary

Great Customer Service

Trupanion has the best customer service of any service-oriented company that I've dealt with over the last five years! Trupanion is prompt and efficient inn settling claims and is extremely user-friendly. Trupanion is by far the best insurance for your pet(s)!!!
1

out of 5

POSTED: | BY: Derrick

They are going to find a way not to pay

My dog was 7 months old when I signed up and previously went to the vet for a routine check up and mentioned she was a little itchy. The vet just moved her hair and didn't see redness tested for mites and came back negative so she said she was fine. Now my dog is itchy and being treated for mites and they are not covering it because they said it was pretty existing even though when she was tested it came back negative. I tried appealing and could not get in touch with someone with a medical background for at least a month. I called over 15 times and nobody was available to help. I finally spoke to the appeal manager and she told me that there's a high probability that for the rest of my 11 month old dogs life they will never cover anything involved with itching. I wasn't aware that itching was a condition. I feel robbed. I would highly recommend looking elsewhere for pet insurance. Unless you sign up before your dog has ever been to the vet they are going to find a way to not cover you.
5

out of 5

POSTED: | BY: Diesel

Happy to have insurance

My dog has 2 floating patellas, she is a 3 year old mix that could no longer run like she use to. Vet said surgery was the only answer and estimated about 3 to 4000 each leg. She decided the left was the worst and would need to be done first, then we can take the other leg after this was done and healthy. Trupanion made this easy and affordable
5

out of 5

POSTED: | BY: Steve Raniero

Trupanion is Awesome

Unfortunately I lost both my pets last year.Sammy, died of congested heart failure. Koko,died from Cancer. Sammy was 9 and Koko was 11. Even though The expectation of beating cancer was very low Trupanion paid for treatments without a problem. Within hours I had a authorized Approval to start treatment. The first few weeks were tough on koko but after the treatment we had 30 days of her acting like a puppy she was so happy, Sammy was so happy koko was back.. koko became sick on the 31st day. We had to put her down.. We will forever be thankful for the treatment and the kindness that was provided by Trupanion!! Sammy died shortly after of a broke. Heart.. 6 months later we saved Cooper a rat terrier from a shelter he has such a great personality he reminds us of both koko and Sammy in the strange things he does :) Yes Cooper has insurance through Trupanion We are so greatful for the service they provided us. Thank you Trupanion and more importantly thank you to the employees involved with all the kind words and cards that were sent. Steve R
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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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