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.
1

out of 5

POSTED: | BY: Steve

Beware of this company !

Beware of this company !! My 8 month old puppy got bit by a rattle snake. She was in bad shape. We rushed her to the emergency vet. While my wife was in with our dog Maisy I called Trupanion. My questions were simple. Am I covered or not? We had to make a life or death decision. All I got was basically “sorry, I can’t tell you if it is a covered claim”. We were on our own to make the decision if we go ahead with treatment or let her pass. We obviously went ahead, we love our pets. Maisy is doing fine now. The bills were submitted and we learned that they covered the claim but don’t pay for the initial emergency assessment, taxes and certain other things on the bill. This was a large bill. To not pay to have your animal assessed after an accident is absolutely ridiculous. It’s like your car insurer not paying to have your car appraised after an accident. Totally incomprehensible. Then the tax not paid, along with other things on the bill. Don’t give into the advertising hype with this company. They love the dollar not your pet. My neighbour uses Fetch pet insurance and they pay for the taxes, assessment fees and have much broader coverage. I have 2 dogs inured with Trupanion and the rates have gone up steadily over the 8 years with ZERO claims made. This was our first experience having to use the insurance. I will be doing whatever I can to switch to a different company. I would recommend staying away from Trupanion.
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5

out of 5

POSTED: | BY: Mike LeClair

My very first experience making a claim…

My very first experience making a claim was this past week with my miniature Dachshund who is 1 year old. She was not passing anything into her colon and was vomiting. The vet suspected an obstruction. The experience with Trupanion was nothing short of remarkable. I couldn’t believe how quickly everything was approved. It was so nice to know I had coverage when my vet suggested surgery. Thank you Trupanion for living up to what I was told!!!!
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1

out of 5

POSTED: | BY: sara w

I've been overcharged on my insurance…

I've been overcharged on my insurance because my dog was listed as unknown size. Apparently when I started with Trupanion all mix breeds were listed as unknown size, even though I selected boston terrier mix. 2 years into my contract, Trupanion made a small dog category and did not inform me. If my dog had been listed as a small dog, I would have been charged significantly less. For 8 out of the 10 years I've been charged a much higher rate than I should have been. I'm out hundreds of dollars, roughly $565 before tax. I have never once made a claim and always paid on time. I gave trupanion my dogs breed when I signed up. A boston terrier mix. I never provided Trupanion any incorrect information. Trupanion changed its policy and did not inform me. It was impossible for me to know that Trupanion changed its policy unless I signed up for a quote as a new customer. Trupanion counted on me not questioning my bill to rake in extra money and now refuses to do what is right.
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1

out of 5

POSTED: | BY: John D Muhire

this is the absolute worst provider out…

this is the absolute worst provider out there. They lured me in with a monthly cost that sounded like a ok deal, only to double it after just one year and keep raising it every year. I have been with them for about 3 years now and haven't had to use them even once as my dog is perfectly healthy, but that doesn't stop them from having me pay now way more than double the initial price. Steer clear fron this one.
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4

out of 5

POSTED: | BY: Michel Dau

Personnel courtois et inscription simple

Personnel courtois et inscription simple
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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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