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.
5

out of 5

POSTED: | BY: Lori

first experience with Trupanion Canada

I have owned several dogs over the years and my 9 year old doberman has cost me a fortune (I swear I could have put a child through university by now!). I adopted a rescue chihuahua last year, and after much research and deliberation I decided to get pet insurance for her; I recently added my second adopted rescue dog to my policy. Most of my family and friends were skeptical - so I must share my 1st Trupanion claim experience. Just before Christmas I noticed a lump on my chihuahua; the vet was quite concerned and the lump was removed via costly surgery. My vet submitted the claim form to Trupanion and within 2 weeks I recevied notice that the claim was processed. I am very impressed and quite relieved to have pet insurance for my chihuahua. My doberman was just diagnosed with cardiomyopathy ($1700) and another vet bill was overwhelming! Unfortunately, it's too late to sign him up now :-( But, if I knew then, what I know now... I highly recommend pet insurance from Trupanion; this 1st experience has been excellent. I will never be without pet insurance again - owning a pet is so expensive nowadays.
1

out of 5

POSTED: | BY: Stuart

False Advertising

I had good experiences with Trupanion, until they tried to raise my rates. They advertise "no increases due to pet's age/claim history". HOWEVER, they have raised my rates by almost 100% over the last 2 years. When I signed up my first pet, I was paying $38/month.....1 year later, they raised it to $50/month. Today I received a letter saying they now want $65/month. I never even made a claim for this dog! With 2 dogs, that gets quite expensive, especially considering they dont cover dental, and even less is covered if your dog isnt neutered by age 1. (For example, if you get your dog neutered ANY time after they turn 1, and they get hit by a car, they wont cover it! What does neutering have to do with getting hit by a car?) Their reasoning for raising the rates is: "costs of veterinary care in your area went up this year"....funny, considering my vet lowered their fees this year. Needless to say, I cancelled my policy today. I would rather keep the $1500/year in my bank account, rather than give it to this greedy business. 2/10 because of their friendly customer support. Otherwise it would be a ZERO.
3

out of 5

POSTED: | BY: Diana

Unhappy with Yet Another Premium Increase

I have been with Trupanion (formerly VetInsurance for about 2 1/2 years. I have found their claim processing to be very timely and have never had a problem with them denying my claim. But, my premiums started at about $37/month and have gone up every year. The latest increase is from $47 to $58. And, my vet clinic has not increased their costs, so I find it hard to believe that these premium adjustments have nothing to do with either my pet aging or claims I have made.
5

out of 5

POSTED: | BY: Pat

The best financial choice I ever made!

I can never thank my vet enough for recomending Truanion. Signing up for Trupanion has been the best financial choice I have ever made! Trupanion is reasonably priced,fair, and quick. My puppy has had a series of illnesses that I never could have afforded to treat. I'd hate to think what would have happened if we didn't have Trupanion.
5

out of 5

POSTED: | BY: Sheila

Excellent communication on claim

We adopted an adult German Shepard from the SPCA four years ago. We hadn't purchased insurance for other pets we'd owned and had some large vet bills with our last dog so thought we'd try insurance this time just in case. We had one small claim in the first year that was settled promptly and then just before Christmas our vet said that we needed to get X-rays and tests for a heart murmur. It was pretty expensive but we swallowed, handed the credit card over, and then submitted a claim. We received an email within 48 hours advising us that the claim had been received and was being reviewed, and today, one week after we faxed it in, we received an email notification that it had been approved. We hadn't expected to hear back so quickly. It was great news.
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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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