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.
2

out of 5

POSTED: | BY: Terry Anstey

BEWARE of price increases…

Until this year I would've recommended Trupanion, but this year my monthly rates have increased almost 50% despite making no claims. It's amazing the company can claim that prices won't increase based on pet age and number of claims, but you can bet they'll find another reason. Talked to someone in customer service who told me my rate went down last year by 2.25% like I'm supposed to be grateful. A 50% premium jump makes it impossible to continue to be a customer with the company and my dog is only 3. Couldn't be more disappointed.
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5

out of 5

POSTED: | BY: Yvonne Borg

The company has not disappointed me…

The company has not disappointed me yet. We have not.had a claim as yet as our pet is still quite young. Not much more to add.
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5

out of 5

POSTED: | BY: yanli h.

Absolutely recommend to enroll your pet with Trupanion, it is life saving experience for my cat.

My young male cat George developed FLUTD ( Feline Lower Urinary Tract Disease), and had several emergency vet visits with Urinary blockage, end up with Perineal Urethrostomy surgery done 2 days ago, the surgery is successful and George is recovering . Luckily we have Trupanion pet insurance for our 3 pets. The surgery alone cost over $5400, one of the earlier emergency visits required hospitalization for days cost over $3000, without Trupanion. I wouldn’t be able to afford all these. I am forever thankful for the help we received from Trupanion, best decision ever we made to enroll our pets with them.
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1

out of 5

POSTED: | BY: Pamela K

Very disappointed with this company

Very disappointed with this company. I have been with Trupanion since my dog was two months old. He is now two years old, and the premiums have almost doubled without having any claims being made. When I said, I wanted to cancel - they asked for a reason. I told them I was disappointed with the significant increase in cost for no reason, and their response was “thanks have a good night” and then they promptly closed the chat. Terrible customer service. Just feel used after 2 years of being with them. But glad I cancelled now and didn’t get taken advantage for longer.
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2

out of 5

POSTED: | BY: KR

Great service for over 10+ years but coverage rates have skyrocketed this year!

The rates skyrocketed this year and we have to reconsider whether to continue our coverage. It has gone up by over $200 and thats just for 2 of our furry family. I’ve had over ten years with great service and a multitude of claims for my 2 dogs and 4 cats that are enrolled. I often tell others to get insurance for their pets until this last increase in coverage rates.
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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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