Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,162

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.
2

out of 5

POSTED: | BY: Kaylee

Not worth it

I honestly heard great things about this company until I added a policy for my dogs. Initially, everything was okay until my pet was diagnosed with skin allergy and trupanion refused to cover it stating that it was a pre-existing condition. (which it was not!) he came in the vet previously for skin irritations from fleas. I kept the insurance for another year just in case if anything were to happen to my babies and realized that my bill was increased by about 30 dollars at the year mark. I was not notify about this issue so i was a bit upset. I called to discuss the issue and decided to cancel instead. Trying to cancel your policy is a NIGHTMARE!! they will try anything to force you to stay with them even if it's increasing your deductible to $1000. WHY? when they wouldn't even cover my $100 deductible? This wasn't a pleasant experience for me. I wouldn't recommend them.
5

out of 5

POSTED: | BY: Lindsay

Amazing Coverage!!

Trupanion is amazing. At an already stressful time when your companion is in need of vet care, there is no "B.S." to deal with. I am so glad that Trupanion has proven time and time again to really be there when we needed it, and having to giant breed dogs this is important. I ALWAYS recommend Trupanion to friends, family, and strangers.
5

out of 5

POSTED: | BY: Mary

The best insurance out there!

My dog Cooper is 15 months old and this insurance is the best decision I ever made. Cooper has had some health issues in his short little life but the one thing I have not had to worry about is his medical bills. Trupanion has paid every single one of them...promptly...without me making one call. My doctor's office submits the bills, Trupanion keeps me updated by email of the status of the claim and the check comes in the mail...usually within a 2 - 2 1/2 week period from the time they receive the claim...it is that simple. If you are looking at other companies you can stop, you have found the one who does what they say they do. I hear other people talking about their rates going up crazy with other companies after they put in a claim. I had 4 claims my first year and my rate for my second year went up a little over $4 a month. Nothing crazy here.
5

out of 5

POSTED: | BY: Linda

Very happy with Trupanion

I have been very pleased with the way Trupanion has handled my claims. They cover more then the other insurance companies I have seen. I feel they are fair in their decisions and if you do disagree they have an appeals process. I used this one time, provided additional information and my claim was reversed. I recommend them to all my family and friends. There is nothing worse then being told your pet needs some type of treatment or surgery that is very expensive and knowing you can't afford to do it. With Trupanion I don't have to worry about that. I pay my deductible and 10% of the cost. I will never be without it again as long as I have a pet.
5

out of 5

POSTED: | BY: Steiger

Great decision

Deciding to insure my new puppy after our last dog died of cancer was a no brainer. Deciding on which company to choose was a little harder. I chose trupanion because I liked the one time deductible per disease/disorder. I like how they cover most conditions and have less exclusions than other companies. Unfortunately I was not planning on needing coverage until my dog was older- but now as a 2 year old he has injured his cruciate ligament ( ACL) - trupanion has been great, covered everything and pre approved the surgery. Saved my marriage and my dog!!!!!!
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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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