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: Richard

Fine print & slimy business tactics

WE received a trial certificate from the rescue we bought our dog at. We started the trial when we took our dog to the vet a few days later. They put that bill towards our deductible. Now they've "decided" that that will not count because we didn't start the trial 24 hours after getting the trial. now they said that the condition our dog has had since that first vet visit counts as a pre-existing condition and won't pay anything towards it in the future. Complete and utter BS. DON'T GET TRUPANION, THEY ARE SHADY CHEATERS
5

out of 5

POSTED: | BY: Angie G.

A cat with Oral issues

Trupanion is a very effective company in delivering great customer service and assisting pet owners with the finances of taking care of a pet who has medical issues. They were prompt and efficient. Can't beat 90 percent of coverage either!
5

out of 5

POSTED: | BY: Kelly

Very pleased with first Trupanion claim

Our first claim was seamless! Our vet completed the form and submitted the claim on our behalf. Trupanion reviewed the claimed and sent emails acknowledging various stages of the process. Within 2-3 weeks, we received a check in the mail covering the claim as outlined by our plan. Overall, we are very pleased with Trupanion and would recommend them over VPI, the company that insures our other lab mix dog.
1

out of 5

POSTED: | BY: Donna

Will not pay if they can figure out way not to.

My dog went to the vet almost 2 years ago with lameness in one leg - nothing on xrays. Was given medication and better in a day (not even the primary reason for the vet visit). He recently had surgery for an ACL and MCL tear. They declined payment stating what he had was pre-existing and tied to the visit 2 yrs ago. No incidents in between. Tell me how a dog that weighs over a 100 lbs could of gone so long in between the with even a slight tear - very active and rough. They told me I would need to figure out a way to prove the two incidents were not related...I asked how did they prove they were. One sentence on my dogs medical notes cost me $4200.
5

out of 5

POSTED: | BY: Colette O'Keeffe

Excellent product

My cat has a pre-existing condition which is of course not covered. Trupanion did not in the slightest nickel and dime me with exclusions for the two other conditions he developed after getting insured. They were very fair and ethical.
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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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