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.
1

out of 5

POSTED: | BY: LadyJEsq

Good for about a year

I've had Trupanion for just over a year, and I received an email today saying that my premium was going to DOUBLE! I've never submitted a claim and am signed up for automatic deductions so I've never missed/been late with a payment. Their stated excuse is "Advancements in veterinary medicine continue to improve the quality and lengthen the life of our pets. As cutting-edge technologies and techniques become the standard of care, Trupanion is committed to making these new options available to our policyholders. As a result, a rate adjustment is planned." Whether or not it's just a coincidence that I've only been a member for a year or if they increase your rates after a year, I'm not the least bit happy about this. I would think that if their stated reason was the true reason for the increase that there would be a more gradual increase than the one I got. Needless to say, I don't trust them and think others should beware.
5

out of 5

POSTED: | BY: Sharon

Happy with pet insurance for Tony

Prior to adopting Tony, I had my girl Sasha. In the last two years of her life my husband and I spent a large amount of money for various tests and an operation to remove a slipped disc in her back which was a successful operation. About two year after that operation, she developed several more problems including a tumor, and possibly another disc problem. Due to her age and the recommendation of our vet we finally had to let Sasha go. Knowing I had done everything possible to save her life helped me accept what had to be done for her. I was fortunate that I could provide the care that she needed to the end of her life. When we adopted Tony, I was fully aware of the costs that a pet owner could incur so I elected to obtain pet insurance for Tony and I have been very much satisfied with the results from Trupanion and how they process the claims I have submitted for Tony so far. The insurance provides peace of mind should Tony develop any severe problems in the future.
5

out of 5

POSTED: | BY: Michelle

A Plus Plus all around

Adopted my Kitty from a local shelter at the end of September 2010, 3 1/2 years old, approximately. Put pet insurance on him right away. I have already had two claims with Trupanion, I have to say I was so pleasantly surprised that both were paid with no hassle within 10 days, and the Trupanion staff kept me well informed of the progress of the claim via email. I was a skeptic about pet insurance and now I am a believer. If you are on the fence about pet insurance with this company, I hope this review helps you make a decision.
5

out of 5

POSTED: | BY: Lisa

Easy & Fast

Our one year old Whippet had a horrible accident and his rear leg was badly injured. He had several trips to the Vet to repair the injury. This was my first experience with submitting a claim. After getting our Vet to complete the forms, we faxed the documents for processing. Within a short period of time, the checks were in the mailbox. We are really glad we selected Trupanion for our dog's insurance.
5

out of 5

POSTED: | BY: Barbara

Fast Reimbursement

When I first submitted my claim to Trupanion, it was denied and deemed a pre-existing condition. Once my vet stepped in to plead my case, Trupanion reconsidered their judgment and accepted the claim, and granted me a Pre-approval number. Once the claim was processed, I was pleased to discover that Trupanion paid 90% of the charges associated with her surgery and post-operative care, with the exception of the standard office visit fees charged by the vets that she saw. Since I was paying for services up front, I expected I would have to wait a long time to be reimbursed for my out of pocket costs, however, I had a check in my hands within three weeks of submitting my claim. Thank you, Trupanion, I would certainly recommend your company to other pet owners.
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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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