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: Heather Cormier

Increased Premiums 27% in the 2 year term

Trupanion has raised my rates for Gus from $80.00 per month to $109 per month in two years (26.7%). We enrolled Gus at 6 weeks old and he has never had a medical issue. We are cancelling immediately! Who knows what they would charge us as Gus ages. What a mistake it was to sign up with Trupanion. When I complained about the increase they tried to convince me to increase the deductible -all they are doing is allocating risk from them to me. And what a hard sell they tried to give me when I asked to cancel.
5

out of 5

POSTED: | BY: Wendy Schwindt

Fantastic!!

They are always available by phone and there website is very user friendly.
5

out of 5

POSTED: | BY: AL

Seamless fast and true to agreed terms

Two separate claims, both processed very quickly. Received an email within a few days with clear information about what was going to be covered and what wasn't and why, matching the terms of the policy, no unexpected deductions or rejections. Payment arrived in the mail within a couple of weeks. No surprises except how quickly and efficiently everything was settled. My policy has a large deductible, but the expense was even larger, so that`s what I can speak to.
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5

out of 5

POSTED: | BY: J Sherman

Highly recommended, saved my dog's life.

My girl had Steroid Responsive Meningitis. Between diagnosis and treatment the bill was well over $10 000. The emergency and specialty hospital did direct billing. It allowed my wonderful dog to get the best care and I didn't have to stress about funds to pay for her. I paid a fraction of the cost thanks to the insurance. Trupanion saved her life in my eyes. I HIGHLY recommend Trupanion to all owners.
1

out of 5

POSTED: | BY: Cathy

FRUSTRATED WITH TRUPANION

This is our 3rd claim that has been DENIED by trupanion. This time it if for a new episode of cough, unrelated to kennel cough 6 months ago, and they denied the claim saying it was "there before." They treated this cough with antibiotics also, but our dog is vaccinated for kennel cough now and this is a new episode. I actually thought she could be joking on something. Today I received an email denying my claim. At this rate, it will be cheaper to stop the insurance and just pay cash. I am VERY DISAPPOINTED with trupanion. Oh, and I'm a doctor. So I know how this insurance thing should work.
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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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