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.
3

out of 5

POSTED: | BY: Toronto

Premium Increase

My premium has just increased from $50.82 to $75.04 (including HST). The email states: "With the cost of pet health care continuing to rise as veterinary medicine improves the quality, effectiveness and standard of care being offered for treatment, it is important for us to adjust our rates accordingly." It was under $50 when I signed up. This is the second increase, and my dog isn't even two yet!!! I am now looking for a new provider. On the good side, claims were always handled very quickly.
1

out of 5

POSTED: | BY: David

Trupanion premium increases

I have had Trupanion since my Lab was 8 weeks old. They signed me up at a rate of $33 a month, but within the first year they increased my premium to $45 a month. In the 2nd year of coverage they raised my premium to $51 a month. Now I have just recieved a new notice advising me my monthly rate will be $71 a month. They always claim this not because of claims history but because of higher Vet. costs. Well my Vet has not increased his rates in the last 3 years, but Trupanion has increasd my premiums by over 100%.
5

out of 5

POSTED: | BY: Vic

Back Pain, lack of energy

Rocky is a Pug Shit-zu cross who was diagnosed with IVDD by Dr Yeung here in Duncan B.C., at the Prevost Clinic. Trupanion's response was timely and totaly satisfying. Rocky is now back to his old self. Many thanks to all, and Happy Holidays!!!!!!
5

out of 5

POSTED: | BY: Patricia

Trupanion saves a life

In June of this year my little kitty Jezebel was diagnosed with vaccine related fibrosarcoma on her right hip. To say that my world came crashing down was an understatement. I had signed up for Trupanion pet insurance in January. I had never used it. I was scared. I was scared for my kitty’s life, and I was scared that the insurance would not work and I knew I did not have the money to pay thousands for her treatments. Well let me tell you, Trupanion does exactly what it says it does. They have paid $15,000 to date for Jezebel’s surgery, CAT Scans, chemo and radiation. She is finished with her treatments and currently cancer free. I have never had anything but the best experience with Trupanion and my amazing claim handler Teresa Lee. I fax my claim on a Monday and I receive a check by Saturday. I had so much to worry about with Jezebel and the very aggressive nature of her cancer and taking her for treatments 3x per week. Trupanion was a blessing that they paid so much money for my baby and they were sooooo easy to deal with. They really care about your pets. They all bring their pets to work. It’s a great company. I highly recommend Trupanion.
5

out of 5

POSTED: | BY: Garrett

Thank you Trupanion!!

One week before Thanksgiving our 2 year old Mastiff became ill. Upon waking Thursday morning she was lethargic and disinterested in eating/going out. I left work early to get her to our vet. Initially they suspected an intestinal blockage per xrays. Upon doing blood work they found her red blood count was down to 9% and she needed an immediate transfusion. We rushed down to the nearest emergency care facility (an hour away) where she was diagnosed with Immune Mediated Hemolytic Anemia (IMHA). She spent the better part of ten days at the facility receiving round the clock care and numerous blood transfusions and expensive immunosuppressants. She finally began to stabilize after 8 days. My wife and I were worried that we were going to have to make the hard choice. Thank goodness we didn't. We submitted a claim of over 10k to Trupanion. They covered everything save for our $100 deductible and a 10% copay. She still has a long way to go, 6-8 month of treatment, and even then there is no guarantee that her disease won't strike again. But we feel confident that if it returns (or if another problem comes up), Trupanion will take care of us. Not only would I recommend them to anyone I know, I will never have another dog that isn't insured by 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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