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.
5

out of 5

POSTED: | BY: Gina

Trupanion review

My Lab was diagnosed with diabetes recently. Trupanion has been wonderful to deal with. Everyone I have talked to has always provided exceptional customer service. Claims processing is quick and easy. I think what I like the most is how every time I call the representatives ask how my Lab is doing and seem to genuinely care about her care and well being.
4

out of 5

POSTED: | BY: Heather

Pretty Pleased, tiny bit annoyed :(

The very first claim I had to file with Trupanion went without a hitch. I am also an employee at my animal clinic so therefore, I get a discount on services as well. Being an honest person, I turn in my claims AFTER my discount has been applied, so really, Trupanion also benefits from my employee discount because ultimately they are not having to pay out as much as if I were a regular client at said animal clinic. That being said, this second claim I turned in has been a little frustrating. I can't complain about the amount paid, but I feel that it took way to long to process my claim and far too many phone calls to my clinic to "verify" charges. I feel like there was a lot of "nit picking" when the company is already saving a ton of money from my discount. I really felt like they were trying to get out of paying for some things because of my employment status. This experience was completely different from my first experience and it left me feeling jaded and disappointed. Overall, I would still recommend them to other pet owners.
1

out of 5

POSTED: | BY: RescueHounds

BEWARE! THEY INCREASE PREMIUMS AFTER A YEAR

BEWARE!!!!! THEY DRAMATICALLY INCREASE PREMIUMS AFTER A YEAR! As many others have posted on this site, I joined a year ago and have seen a 40 % increase on my premium at the end of my first year. I have a mix breed hound under 2 years old in West Hollywood, CA. When I joined, I had read about similar complaints on this site, so I questioned the woman selling me the policy about these possible increases. She assured me that rate increases happen very rarely and are never very much. She told me not to worry about this. Stupidly, I listened to her. Supposedly, they only do this very rarely and are catching up to medical costs in my area - however, you can see similar postings about this complaint from every year, from all over the place. Clearly this is a systematic bait and switch. I just spoke to them and their attitude was there is nothing we can do. Supposedly, some outside group knows this info a year ago, but they only find out 30 days before the adjustments. Obviously they should try to get this info earlier, so they can alert new customers of dramatic increases that might happen the next year. Once you join an insurance carrier it is very hard to switch carriers. Anything that has happened to your pet with the previous carrier will be considered "pre-existing conditions" and will not be covered by your new carrier. While everyone at Trupanion is nice on the phone, I feel completely defrauded. They can increase my premiums as much as they like with no rea
5

out of 5

POSTED: | BY: Tom

Emergency Hip Surgery for Winston

Winston was trying to jump up on the bed and he completely dislocated his right hip requiring surgery on April 30, 2013. We submitted the claim May 10th and were reimbursed about the 30th of May for 90 PerCent of the bill total less office visit fee and deductible amount of the insurance. We are very satisfied with Trupanion Pet Insurance We took out the Insurance when we got Winston it is good to know that in an emergency that your are only going to pay the office visit fee and the deductible which you choose when you take out the insurance policy rather than a large surgery and medication bill.
5

out of 5

POSTED: | BY: Erin

Great investment! So glad I got Trupanion!

My dog has unfortunately had a lot of medical issues, and having the insurance has allowed me to get him all the help he needs. Dogs give you unconditional love and deserve to get the best care you can provide in return. Read the policy through carefully so you understand what is covered or not - they will stick to the policy.
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