Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

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: Laurina

Best Pet Insurance Available

My pet is a 5 month old puppy. She is a good puppy but is a chewer. Anything on the floor goes straight into her mouth. I also had a very careless roommate. who has on two separate occasions has dropped a marijuana cigarette on the floor and my puppy ate part of it. My Puppy weighs less than 3 pounds. First time she spent 1 night in the emergency animal hospital. The second time only 2 weeks later she spent 2 nights and 1 day in the emergency animal hospital. Much to my surprise the second time it was marijuana mixed with PCP. My puppy pulled through but I told my roommate she had to leave and find a new place to live. I do not allow drugs in my home. I knew she smoked marijuana for medical purposes but the PCP was too much. I thought Trupanion was going to cancel my policy because of 2 claims within less than a month on a policy I have had for only 2 months, but they did not. They quickly paid both my claims. I have and will continue to recommend them to everyone I know who has a pet. They are great!!
1

out of 5

POSTED: | BY: Unhappy and

BUNCH OF CROOKS

Stay away from this insurance company! My dog was itching and scratching quite a bit, and I took him immediately to the vet to see what was wrong. The vet assumed it was either anxiety or allergies, but with his persistent scratching over time, she said it was allergies. Here I am about a year later, trying every treatment possible, I scheduled to have an allergy test for my dog. I spoke with Trupanion, and they said they are pretty sure my dog's test will be covered. 3 days later, no response from Trupanion, they said they've contacted me several times. Lies! They lied to me, and they won't cover the test. Secondly, while my dog continues to scratch, he also scratches his eyes. So I took him to the vet again to have them look at this eye and noticed it was a little cloudy and suggested I took him to the specialist. The specialist diagnosed him with cataracts. CLAIM DENIED AGAIN. Being fed up with paying monthly premiums and no payout, I called to cancel my policy. The lady on phone rambles on about how my dog is bad luck and he will continue to have problems. She told me I needed Trupanion (WHO NEVER PAYS ANYTHING OUT AND DENIES EVERY SINGLE CLAIM!) STAY AWAY FROM THIS INSURANCE, THEY'RE CROOKS! OUT TO GET YOUR MONEY!!!
5

out of 5

POSTED: | BY: Michelle

Excellent!

Awesome service..made the whole process easy and convenient. Couldn't have asked for better service. Thank you!
1

out of 5

POSTED: | BY: Cecil

Bait and Switch!!!

Below is the email I received about a premium increase for my dog who is about 1.5 years old and has been insured for just over a year now. They are increasing my monthly premium from $39.68 to $68.10 which is nearly double!! This is unbelievable!! I am now realizing how many other people they've done this too over at least the last couple of years using the same terminology to create a loophole from the original contract. Beware of Trupanion!! I wish I paid more attention to the negative reviews when first researching. Policy Number: XXXXXXXXXXXX 11/30/2011 Re: 1/9/2012 Premium Adjustment Dear Cecil Xxxxxxx, Thank you for being part of the Trupanion family and for being a responsible pet owner. We strongly believe in being a partner to help provide the best medical care for your pet. We cover diagnostic tests, surgeries, treatments and medications with no limits — no matter where your pet goes for care. As incredible advances in veterinary medicine continue, the cost of veterinary services also increases. Trupanion is different from other insurance companies. We do not use a complex benefits schedule or fixed payout limits when paying claims. Instead, we price our insurance to cover 90% of actual injury or illness costs — the best in the industry. Because of our outstanding coverage and the increase in medical costs, on occasion we must adjust our rates. As a result, a rate adjustment is planned for this year. Your new monthly premium and the
5

out of 5

POSTED: | BY: Jayme Pinales

Trupanion is the BEST pet insurance company

I have a 2 year old mixed breed dog that has had nothing but problems ever since her turned 2. I have had the option of taking great care of my wonderful dog because I am insured by the best pet insurance company ever. Thank you so much Trupanion for helping me...
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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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