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.
1

out of 5

POSTED: | BY: Rob

Don't waste your money.

I have a 6 year old cat that had rarely vomited for hairballs. I had mentioned it at a doctor visit before I got this policy but wasn't concerned as it was rare and she never stopped eating. Shortly after getting this policy, she had an incident where she was vomiting a lot and I was concerned for her health. I filed a claim for the doctor visit and was denied by Trupanion because they felt it was a pre-existing condition. Even after an appeal and a letter from the vet stating that it was unrelated, the claim was denied. I let the matter drop and she was fine for over a year. She then started having a vomiting episode and this time stopped eating altogether. Again, the claim was denied...even after over a year of no problems. I have summarily cancelled this policy and will never recommend this company to anyone. It certainly did not help me in any way and I felt that it was a huge waste of time and money. You are better off putting aside $30 to $50 a month and using that to pay the vet directly.
1

out of 5

POSTED: | BY: Tom

Giant Raise in Rates - No Notification

I've had this insurance for a few years and they've always been good about paying out claims except one time where I had to hound them for a month and half. They are always very friendly on the phone. But today I noticed they took out an extra $20 on my account and when I called them up they raised the rate on one of my pets and I did not receive any notice. Apparently I 'rolled in' to a new policy which includes 10 new experimental medical treatments. I had no choice on whether I wanted to roll in to this or not, I didn't even know it was occurring. The rate that went up was only on 1 pet, the rate increase for my second dog will surely be coming up and I expect that to be double what this jump was because they said it's based on the age of the pet at enrollment. I really had good things to say about this company, but they lost all of that goodwill today. No choices, no notifications, just almost a doubling of a rate.
5

out of 5

POSTED: | BY: Lewis

Fast response to claim

The response by Trupanion to my claim was was very quick as was the reimbursement. I could not have asked for better service.The reason for the 9 rather than the 10 is the $100 deductible for each problem during a calendar year. However, the deductible is explained up front, so it is no surprise.
5

out of 5

POSTED: | BY:

Rapid claim processing

As a policy holder for about 5 years now, fortunately we have healthy dogs and only a few claims. However, those few claims we have filed have been processed very quickly and the check received within 2 weeks. Trupanion settles claim much quicker and fairly than my human health insurance provider!
5

out of 5

POSTED: | BY: Tracy

Great customer service and timely too!

Every interaction with Trupanion has been wonderful, and because of my accident prone pup, I have had several opportunities to see Trupanion in action! The customer service is remarkable; people are informed, patient, and kind. The claims are processed within a week. And as frosting on the cake, my premium was actually decreased at one point! I highly recommend Trupanion
Please leave a review

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  
Provider website

Get a quote today

Leave a review