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: Steve

Outstanding service

Trupanion was extremely cooperative. The system is easy for me and our doctor. Payment was made promptly, even before the credit card bill arrived so I had $'s in hand to pay. When I spoke to people in the office they were helpfull polite and knowledgeable. Wish my people insurance was this good. Politician could use a few lessons from Trupanion. By the way, my son and daughter also have policies with Trupanion and feel the same way. Great company with great people.
5

out of 5

POSTED: | BY: Monty

Excellent and Prompt

Our King Charles Cavalier developed a primary lung cancer tumor. All diagnostic services have been paid promptly. Surgery has not been submitted yet, but expect the same prompt payment.
1

out of 5

POSTED: | BY: Brian J

The Netflix of Pet Insurance Companies

I signed up for Trupanion last year. At the time they were just pushing through a massive rate increase to certain customers, yet they were still offering me a decent rate. I asked them about that and they assured me that this was an unusual occurrence and that only certain outliers were affected. Now one year later it is me getting the 50+% rate increase for no apparent reason other than the desire to soak their customers and line their own pockets. Bye bye. BTW, even before they did this I was considering switching. One of my cats had a upper respiratory infection when she was a kitten, not at all uncommon for kittens. She got some meds, and a week later got a clean bill of health. 6 months later she had a re-occurance, and Trupanion told me that all future such claims would be denied, because it was a "pre-existing condition". Really? A viral infection? Oh well, glad I'm switching to a more legit insurer. I'd urge others to do the same.
1

out of 5

POSTED: | BY: janet

not happy pet owner

I first decided this time on trying trupanion insurance for my newfoundland that was about 10 week old and now he is 2 yrs old. i have never made a claim. i know they have raise the price 40.00 more. they say the never raise the price due to age, the raise it because Advancements in veterinary medicine continue to improve the quality and lengthen the life of our pets. so i will be canceling my membership..
2

out of 5

POSTED: | BY: sparkles

Major disapointment

There's a lot of confusion about how to submit forms, certificates and change the deductible. They draw you in very well at first then give you hard time about getting coverage. I've spoken to lovely people thee and very curt and snotty people as well. I'm looking into changing to a higher rated company before my dog turns a year.
Please leave a review

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  
Provider website

Get a quote today

Leave a review