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: A Mook

Beware Trucompanion - Not worth it !!

Beware of this Pet Insurance Policy - Misrepresentation I have 4 pets on Trupanion. I have been paying significant monthly premiums as they claim 90% coverage. I am really sorry i wasted my money and had a false sense of security. If you cover medical expenses, then you need to cover Vet Exam Fees which is part of the expense for a new medical condition. I have made two claims over the past five years. The first was a Neurology Consultation that my regular vet requested. This was denied as they said they don’t pay Consultation fees. Hmm .. ok , but other plans do. Recently i took my dog to the urgent care for a urgent problem. I payed $450 and Trupanion reimbursed me $43. Even with the co-pay $200 and Co- Insurance, this is a really low reimbursement and not worth having insurance for ! They did not pay for the urgent care vet exam fees , which was approximately $100 . When i asked this to be reviewed, Trupanion emailed me to say they don’t cover vet exams ,as its part of routine vet care. Yup it is part of the medical care for this health problem, so it is sneaky that they don’t cover it ! I am cancelling my four policies immediately and found a suitable alternative that covers all parts of medical care.
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5

out of 5

POSTED: | BY: Terri Baker

Great advice

My breeder provided one month of coverage from Trupanion, when I called to activate it, had a great conversation with the call centre person who shared some of her own experiences and learnings.
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1

out of 5

POSTED: | BY: John MacIntosh

Here’s my experience with Trupanion:

Here’s my experience with Trupanion: German Shepherd puppy, enrolled at 7 weeks old, no pre-existing conditions. Year 1: $86/m, $500 deductible Year 2: $88/m, $500 deductible Year 3: $105/m, $500 deductible Year 4: $103/m, $500 deductible Year 5: $66/m, $1000 deductible (I raised the deductible from $500 to $1000 to lower the monthly payment, which increased my out-of-pocket costs in the event of an emergency) Year 6: $74/m, $1000 deductible Year 7: $94/m, $1000 deductible Year 8: $101/m, $1000 deductible After 8 years with Trupanion: I started at $86/m with a $500 deductible in Year 1. By year 8 I’m paying $101/m with a $1000 deductible and carrying more risk. Take it for what it is. Just providing transparency for anyone looking for coverage. Hope it helps.
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1

out of 5

POSTED: | BY: Francesco

Trupanion has been a mistake

Going with Trupanion has been one of the biggest mistakes. We have 2 Boston terriers in our policy for the last 5 years and we may as well have thrown our money in the toilet rather then had our insurance with trupanion. First off, when you call to sign up they literally try to tell you everything is covered aside from pre-existing conditions.... But just wait, cause soon you will find that anytime you have to submit an invoice, they come back trying to prove that it is pre-existing. Even when your vet calls them to tell them its not. Secondly, yearly fees jump up so much! My house and car insurance don't go up as much as they try and increase the coverage on our pets. we are talking on average 22-27% per year in increases. And all they can tell you is that" risk factors go up, would you like to increase your deductible to make things more affordable?" Yeah sure, get the deductibles so high that you guys never have to pay anything out... I recently had to speak to somewhere there to explain why they weren't coving my dogs emergency visit, and listening to them break down how they were not covering any of the $1400 was mind blowing... When I said that I feel like Trupanion as scammed me the last 5 years, She had the audacity to say "Sorry your pets haven't been sick enough for you to benefit from our coverages". Who says that!?!? This of course was the one time i spoke to someone there who went off the standard script. Speak to your vet before you enroll with Trupanion, I am sure most of them aren't their first options to recommended. Maybe at one point they were but things have clearly changed.
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3

out of 5

POSTED: | BY: Valeri

Protection

I am new to trupanion but reviews and referrals were important and helped me decide on joining, I just would like to ad that as a senior on a limited income, reducing our rates would be appreciated and welcomed.
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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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