Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,162

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: Jan

Thank you Trupanion!

Last year my dog needed TPLO surgery and Trupanion processed the claim quickly amd with no surprises. This year (as is often the case) she needed the other knee done. The claim was processed, along with another smaller claim, in just a few days. Especially like how they email to let you know they received your claim and what the status is. Got the cheques in the mail quickly enough to pay the Visa bill which was great! Thank you Trupanion!
1

out of 5

POSTED: | BY: trupanion

Beware of Trupanion Pet Insurance. Bait and Switch

I purchased Trupanion Pet Insurance after asking a list of questions..One was, Will Rates Increase when my pet ages? I was assured by the Trupanion that rates would never increase as my pet ages. They might have minor rate increases for all members of only 5% every year or two. Not more than that she assured me. Less than a year later Trupanion increased my rates 25%. I called Trupanion that said only people with aging pets would get rate hikes like 25% but many other members did not receive this rate hike. I am angry as Trupanion outright lied to me. Now I have been searching with the words Trupanion Complaints, and there are many Trupanion Pet Insurance Complaints. Trupanion is doing the classic Bait and Switch. Sign on a new pet owner, then when the pet ages a year, raise the rates either 25,50, 75,100, 200% and lie to the pet consumer that the Insurance Board which is paid off by Insurance Lobbyists from corporate greed to increase your insurance rate at any amount they wish, has looked at each and every pet, and lie that vet bills have increased either 25% to 200% because your pet has aged a year. Regardless of how healthy your pet is. The Trupanion Sales Agent do not tell you this when you call, or email them. And it does not state this on their Trupanion website. Beware of buying Trupanion Pet Insurance. The rate is only good for about a year, then they Bait and Switch and will increase your rates 25% to 200% as I have read on numerous complaints when
5

out of 5

POSTED: | BY: Linda

very happy that i have this ins

I'm so glad that we have insurance on Ruby..she was so sick that she needed 24 hours of care for aleast 3 days being in the hospital. I didn't care what it cost... cause i knew we had insurance on her...
5

out of 5

POSTED: | BY: Allyson

Very good

Very good! Would recommend/have recommended to others.
5

out of 5

POSTED: | BY: Jordan

Outtanding

I have had a wonderful experience with Trupanion thusfar.
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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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