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: DENISE

DONT WAIT TILL ITS TOO LATE

Last year I signed my Great Dane LEXIE up for TRUPANION thinking I would NEVER really use it…To my surprise I have had more than my share of experiences with this company.FIRST I must say it was the SMARTEST investment I have ever made. SECOND, it has been the BEST EXPERIENCE. They have ALWAYS handled my claims in a timely, pleasant & efficient manner. THIRDLY they have ALWAYS PROVIDED her the coverage they claimed they would, some of which was outrageously expensive!!! WITH OUT ANY HASSLE SO don’t even think twice about giving yourself and your pet the BEST AFFORDABLE CARE available! CONSIDER IT PEACE OF MIND
5

out of 5

POSTED: | BY: Steve

Bull headed Bull dog

My 3yr Old, Olde English Bull Dogge love to run the fence line with the nebours Dobberman in doing so he ran so hard he tore his ACL. Almost $3000 after all was said and done. I am so happy i had pet insurance or I would still be making credit card payments. Trupanion came through in about a week and paid the 90% my policy calls for.I was actualy surprised how fast they paid,and all it took was faxing a simple form my vet filled out for me. the saving from this one incedent will pay his pet insurane for almost the next 5 years.
2

out of 5

POSTED: | BY: Maisy

unfortunate...

I have been happy with Trupanion in the past. I have had them as an insurance provider for my boxer for about 14 months now. Unfortunately, I got an email today saying that my premium is now going to be raised 120%. This seems outrageous to me seeing as I have been carrying their most expensive insurance at almost $55.00 a month. My premium will be almost $120.00 a month. Excessive. I feel like it is some kind of scam.
4

out of 5

POSTED: | BY: Scott

Atopic dermatitis

I took a while but they paid the claim
1

out of 5

POSTED: | BY: Raymond

Ripoff - Raised Monthly Premiums 70% After 1 Year

This company raised my monthly premiums by 70% after the first year despite the fact that my dogs had not been sick, injured or diagnosed with any disease. They got perfect bills of health from vet check ups, were current on vaccinations and were not overweight. When I called to ask why the monthly premium went up 70%, they told me that it was adjusted based on the rising cost of treating pets in my area. Nothing should have an annual inflation increase of 70%. This Company likely quotes low rates for the first year, only to raise them once they get you to sign up. If they are not straight foward on rates when initially signing me up, then I don't trust them when I actually have a claim. When calling to cancel, the service rep told me that a special representative needed to talk to me before processing my cancelation, but that person was not available. I don't know why the service rep I had a 10 minute conversation with could not process my cancellation. I am now waiting for the call back.
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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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