Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,189

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.
5

out of 5

POSTED: | BY: Liz

When my 1 yr old puppy had a bowel obstruction

When my 1 yr old puppy had a bowel obstruction last night, I didn't have to worry about the cost of the emergency surgery. The emergency animal hospital billed Trupanion directly and I just covered the co-pay, deductible, taxes and exam fee. What a relief! My heart bleeds for a couple at the animal hospital who didn't have insurance and had to take their very sick dog home because the cost for treatment was more then they could bare. My dog, thankfully was insured and I knew that whatever the cost of the surgery he would be treated. Thank you again for helping me through the worst night of our lives!
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1

out of 5

POSTED: | BY: Matt Trombley

Stay away

Stay away, this pet insurance will tell you one thing, take your money and when you go to use the insurance, lie with a smile.
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1

out of 5

POSTED: | BY: Emily Smith

Not a compassionate company

Not a compassionate company. I registered my cat for a free month trial with my breeder and a little bit afterwards. My twin sister passed away and I couldn’t go and renew her policy because I was dealing with so much paperwork and when I went to go in renew her policy they wouldn’t waive the illness period of 30 days even though I’ve already had her for 30 days and nothing happened during the trial. But they refuse to waive that. Even when It was a few days later as I was going through a lot. It says a lot about our company because God knows what would happen if my pet actually had something wrong with her and how the company would not be compassionate.
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1

out of 5

POSTED: | BY: Patrick Boyd

Massive Increases- Save Yourselves

It seems obvious that they knew of the substantial increases when you got me to sign up for this but said the increases were only anticipated to be moderate. That would be fraud. Ive researched that around year 4 their premiums start dramatically increasing based on "findings" across the board. These findings are built into your premiums ahead of time so they are fully known about. Looks to me like they are buying customers up front with cheap premiums to ratchet them when they are already locked into coverage.
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1

out of 5

POSTED: | BY: Angela S Spearman

Please expect your pricing to increase…

Please expect your pricing to increase significantly annually. regardless of if you use the insurance or not. They claim its because vets prices go up (even though my vet told me pricing has not increased) and because more people sign up for the insurance (So they ask me for more referrals??) I would look elsewhere or put in 1500/year into a GIC instead at least that will MAKE you money Love the generic standard auto reply’s too!
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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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