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.
2

out of 5

POSTED: | BY: Disappointed

Not worth it if your dog has been to the vet

If your dog any any kind of medical history or if you reported any incidents of vomiting or diarrhea to your vet, then I do not recommend purchasing any plans from Trupanion. You will be sorely disappointed. Even if your dog has never been diagnosed with any kind of illness by your vet such as stomach related illnesses, Trupanion will quote you on those reports recorded by your vet and will deem them as pre-existing symptoms to deny your claims. If your dog has a pre-existing illness and contracts a completely different illness while you're on Trupanion's plan, they will deny your claim and say that it's relayed to the pre-existing condition even when it's not. I am rating them 3 because they're quick to respond to claims. They're also only worth the investment if you purchase it for a dog that has never been to the vet.
5

out of 5

POSTED: | BY: Richard

Excellent Service

First claim made with this company. Paid claim as I expected. Did not need to figure out a schedule or any interpretation thereof. Very simple procedure with excellent follow up by company as claim proceeded thru their system. So far so good with my new pup & his new insurer.
5

out of 5

POSTED: | BY: Deron

Great Service

We have a new puppy and enrolled in Trupanion with zero deductible. After a week of being covered our puppy had a slight yeast infection of the ear and Trupanion covered the price of the medication in 24 hours.
5

out of 5

POSTED: | BY: Diana

Life Saver

My lab rescue came with a Trupanion brochure. My vet suggested we enroll in pet insurance. Thank goodness! We had over $5,000.00 in vet expenses in year one alone; dysplasia, allergies, conjuctivitis, etc. Trupanion paid us back 90% including emergency vet expenses after he swallowed a tennis ball.
1

out of 5

POSTED: | BY: Kim

Not worth it unless if you have a puppy

I purchased Trupanion for my 8 year old dog because the company said that it would accept pets that have preexisting conditions but would not cover expenses related to those illnesses. The guidelines were pretty clear - any expenses related to the illness that was found before purchasing the insurance plan will not be covered. However, to my dismay, it seems that Trupanion evaluates every nitty gritty detail in order to deny your claims for any future illnesses that may incur. For example, my dog had to be rushed to the ER because he was vomiting and lethargic. As a result, he was diagnosed with Pancreatitis. Trupanion got back to me and sent me a letter that copied and pasted every comment starting from 2 years back when I informed my vet of incidents when he had indigestion and vomited. They said that those were "preexisting symptoms" that led up to my dog's illness 2 years later. Note, the vet never found any kind of stomach related illnesses until recently when I submitted the claim. Another problem I have with Trupanion is that they try to find any reason to deny your claim. For example, they approved one claim when my dog caught a cold from another dog, but when I submitted 2 more claims for the same illness, they denied them because "it was related to his preexisting condition." Seriously, I am on the fence about canceling my account with them right now. It makes no sense for me to continue purchasing Trupanion's service if they are not going to provide me any.
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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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