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.
4

out of 5

POSTED: | BY: Holli

Good coverage but they do raise premiums

I have had 4 dogs on Trupanion for about 1 year now. I specifically picked them over PetPlan because Trupanion does not raise monthly premiums as your dog ages - so imagine my surprise when I got an email saying two of my dogs premium were going up over 30% and the other two about 8%. If I want to keep the same monthly premium I would have to increase from a $0 deductible to a $200 deductible - BOGUS. I can totally understand a 8% increase, vet fees do increase, etc. But 30% (from $46 to $61) really does seem excessive to me. Plus no multiple dog discount may be enough for me to switch. On the good side they have paid out awesome - fast pay out. They do have a long waiting period which is something to be aware of.
4

out of 5

POSTED: | BY: Jeanine

Consultation fee not included

I was happy with the overall process. The one thing i don't like is that they don't include the consultation/exam/recheck fee as part of the bill, but i will just lower my deductible and it'll be even.
5

out of 5

POSTED: | BY: Jared

Great Coverage

Great Experience with Trupanion! My bulldog started limping so I brought him to my vet for x-rays, thankfully they think it is just a soft tissue injury as the x-rays were sent to a specialist and no dysplasia was found. The claims process was so easy and they covered all of the treatment minus the exam at 90%. I sent my claim in on a Monday and the check was in my mailbox that Friday, I never expected it to be that quick! Great insurance to have for piece of mind, I was not even concerned with the bill or treatment because I knew I was covered.
5

out of 5

POSTED: | BY: Jessica

Good customer assistance

It was a bit of a hassle to get our first claim processed, but the staff kept us updated via email. We have just been notified of our reimbursement. Thanks, Trupanion!
5

out of 5

POSTED: | BY: Mrs

Trupanion is pretty good insurance

I got reimbursed $1236.00 of the $1500 that I put out for my 14 month old dog's luxating patella knee surgery. It did not take very long. I have not heard from them on the claim that I filed prior to this one for the lab tests at her regular vet, which helped them to diagnose the problem though. All in all it was a good experience. Way to go Trupanion. Holistic coverage would be nice too.
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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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