Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,882

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: S

MAKE SURE YOU SHOP AROUND

I have had Trupanion for over 15 months now- and only one claim for one dog- when my pup jumped off the back of the truck before we got the ramp down and he injured his back leg. This was a claim of under $280 and we have not been to the vet since. I was notified that the $90.00 a month I was paying in premiums for my two dogs was now going up to $180.00 a month for the premium. Are you serious? Double the premium- I am a great customer, do not over use my insurance- take excellent care of my dogs with supplements, holistic food- all in the hopes in avoiding a vet visit for an illness/disease. Trupanion has left a terrible taste in my mouth, and myself and several others that I work with are dropping Trupanion and going to another reputible pet insurance carrier- whom has coverage in all 50 states! Very disappointed to say the lease!
5

out of 5

POSTED: | BY: Krisite Arend

Great, fast service

This is the first time we've had pet insurance and so far it paid off and been a good experience. They are quick to respond to claims without a lot of red tape to dig through!
5

out of 5

POSTED: | BY: bill bray

BILL'S RATING

Easy, no fuss, no chasing around on the phone, best price.
5

out of 5

POSTED: | BY: Sally

Trupanion gets great recommendaton!

We purchased Trupanion pet insturance for our 13-year-old cat, Mittens, last year. We wanted to provide coverage for any expensive procedures. Trupanion was very efficient and helpful in explaining the coverage for our cat before and after she had oral surgery--extensive tooth resporption. The claim was most defininitely resolved to our satisfaction!
4

out of 5

POSTED: | BY: Holli

Good coverage but they do raise premiums

I have had 4 dogs on Trupanion for about 1 year now. I specifically picked them over PetPlan because Trupanion does not raise monthly premiums as your dog ages - so imagine my surprise when I got an email saying two of my dogs premium were going up over 30% and the other two about 8%. If I want to keep the same monthly premium I would have to increase from a $0 deductible to a $200 deductible - BOGUS. I can totally understand a 8% increase, vet fees do increase, etc. But 30% (from $46 to $61) really does seem excessive to me. Plus no multiple dog discount may be enough for me to switch. On the good side they have paid out awesome - fast pay out. They do have a long waiting period which is something to be aware of.
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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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