Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,139

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: Jacky

Very expensive, constantly bungled claims

We have had trupanion since picking up our purebred english bulldog 4 years ago. Premiums are pretty high, we increased our deductible to try and make it more affordable, but it's still quite pricey. Unfortunately our dog has had typical bulldog eye issues including distichiasis end entropion requiring several surgeries over the years with an eye specialist. Every single time a claim is submitted there is a problem with it which means a call to whoever happens to be answering the phone at the time. You will never speak to the same person twice, you'll repeat your information over, and over- always a promise to get things straightened out, only to end up at square one again the next time. The claims are constantly being reviewed by different people resulting in errors and changes every single time. You will need to be prepared to keep a close eye on all submissions and for follow-ups which means time to do that if you choose this company, and know the claims of "we pay 90%" is after your co-pay, and vet exams (I'm not sure how they expect a specialist to make a treatment plan with no exam, but they won't pay for that) and all taxes (that's fine) and we don't cover this and we don't cover that etc. so you may get 40-50% which I guess is better than nothing. Just be aware that it's like typical insurance, rates continue to go up, service is mediocre at best and if you need to make a claim it may or may not result in you receiving financial support.
1

out of 5

POSTED: | BY: Kim

Terrible Company

Terrible company. Has denied every claim. One claim they approved then removed after treatment. Horrible to deal with. Don’t waste your money.
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1

out of 5

POSTED: | BY: Leion Voldimier

Worst to do they won't cover nothing…

Worst to do they won't cover nothing your just paying for company to get rich and to pick and choose who claims get prioritized first so it not worth it it's better to go with private incrance or a life insurance for yourself u can use your own life insurance policy like a loan it's mostly for the poor this company make u think stuff will be done but your not safe u will see jus wait to see how many stuff is refused get a credit card or life insurance for yourself and u can always call to get money for your life insurance way better option
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1

out of 5

POSTED: | BY: Fred Lloyd

We got pet insurance with Truanion when…

We got pet insurance with Truanion when we got our Springer Spaniel in Ottawa and we were paying about $68 per month. About a year later our dog was diagnose with a incurable enlarge heart, thank good we had insurance. In October of 2023 we moved to Vancouver Island and our insurance went up to almost $90 per month and they said veterinarian cost was higher in BC. We compaired our cost from Ottawa and BC and our cost was less. Now we moved around the corner from were we lived and the insurance went up to $108 month. So I called them and they told me because we moved the cost is higher and I told them it was just a block away. Then after talking with them they said it was because of so many claims. I got the insurance so that I don't have to pay so much, is this fair??
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1

out of 5

POSTED: | BY: Carlos

Do NOT waste your money in this…

Do NOT waste your money in this company. It's a slimy and sneaky company that ONLY wants your money, and they care nothing about your pet. Basically you have to wait for your pet to have the same problem or sickness two times for them to start paying for vet bills. If your dog has different issues, and never repeat it, be prepared...
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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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