Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,139

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: Ashley

Have been great to work with!

After debating for months and researching I found Trupanion to be one of the insurance companies that covered the most. I have two olde english bulldogs and in less than a year of having coverage they have paid almost 2k for claims. My small pup choked on a bone and had to be rushed to the emergency room and now my older pup has a partial cruciate ligament tear and over the 3 doctors we have been to they have covered what they state in the policy. The only downfall I see is the fact that they don't cover chiropractic and alternative care. Before we had answers as to our dogs leg issue our regular vet did laser treatment to reduce his swelling and it was not covered under the policy. it would be nice to have that as an endorsement even if it required additional premium. But, for the most part I have been so grateful for having them as my insurer for my pups!
5

out of 5

POSTED: | BY: Reshu

Great service ! Thank you Trupanion!

We recently got insurance from Trupanion for our three dogs. My greatdane Jumbo suffered from gastroenteritis and had to be taken to the vet twice in last month. Needless to say, the vet bill was high because of all the exams/X-rays/ blood-work and medicines! Since it was our first claim, we did not know how it would work.Thanks to Trupanion, our claim got cleared in a very timely way and we received 90% of the cost back within few weeks.Great service from our insurer Trupanion !
5

out of 5

POSTED: | BY: Vicky

Trupanion is great

We have a three year old lab, Gunner. We signed on with Trupanion as soon as we got him. Trupanion processed numerous claims for us, the most recent being for TPLO surgery - a spendy one. Trupanion is always easy to reach with questions and is prompt with processing (provided the vet gets them the necessary paperwork). This particular claim took much longer than usual to process as a result of paperwork issues on the vet's end. I highly recommend them.
1

out of 5

POSTED: | BY: Christine

40% rate increase

I subscribed to Trupanion a year ago and after the first claim that was approved, all of a sudden I received a notice that my rate is being increased 40%. Their website specifically states that they do not penalize their clients as a result of claims but that this is an increase due to increase in pet care costs for my area. I checked with 3 local vets and they all stated that if they have increased their rates, it has never been more than 3%.
2

out of 5

POSTED: | BY: Mary

liers

Took my lab in for tests with specialist,bill was over 2100. trupanion paid .And now I get email raising monthly rates from 85.00 for 2 dogs to 123.00 .Called and was told they are raising rates for everbody with large dogs. My labs in only 53 pds and golden 43 pds. When I signed up told rates will not increase with age and will only increase if area where i live is more expensive. Haven't moved, but told its a rate increase for all pet owners. then why haven't they raised rates for people I referred to trupanion
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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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