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: amy

Liars!

I would NEVER recommend this insurance company to any pet owner. In the time we had this insurance we submitted two claims and with both claims they gave us any extremely difficult time and paid out nothing. We piad over $58 a month for our precious pug to help with vet bills when they arose and it was a complete waste of money. Although when you initially sign up they promise you the world. None of it is true and I wish we never wasted our money on pet insurance because we were far better off paying out of pocket. Every claim we submitted from a tumor to a rash they found a way to deny the claim and it took months of phone calls, emails and vet letters trying to clarify and still no payout. This companhy is a huge rip off....
5

out of 5

POSTED: | BY: Leslie

Pet Insurance Recommended

This is my first claim submitted to Trupanion and I'm very pleased with the result. Submitting the claim was easy and within 10 days I received an email stating the claim had been processed with a detailed breakdown of the payment to be processed.
1

out of 5

POSTED: | BY: Lilly A.

Dishonest! 100% Premium Increase.

I live in California. My dog Luna is an American Bulldog and she has been insured with Trupanion since she was 5 months old. Last month I submitted the first claim since she’s been insured.Weeks later, i got the rate increase e-mail…I went from $49 to $95!!! They say it's not based on claims you file, and their website and advertising says they only increase rates due to inflation or increase in veterinary costs. There is NO way inflation and veterinary costs were 100% - 400% like other customers have reported. NOW we find out that they couldn't increase rates before because the Deparment of Insurance wouldn't allow it. So, the bottom line is that they didn’t have enough policies in the US to increase their prices, so they kept their rates really low to get customers to sign up until they had enough claims information for the DOI to approve the increase. That is classic bait and switch deceitful business practice, and shame on them for not being clear and disclosing this information to customers from the beginning so we could make an informed decision. They were planning to make astronomical increases to the premiums but they kept promising low rates with minimal inflation increases in the meantime. I can afford $100 a month for my dog. There is no price for me when it comes to her health. The problem for me and what makes me so upset here is the dishonest business practice that was used. Many people like me can afford the increase, but there are others
1

out of 5

POSTED: | BY: Ed Spirer

Always Found Ways to Avoid Paying Claims

I filed several claims with Trupanion. 1st was emergency for diarrhea and vomiting. They didn't pay because fecal test was negative for giadia and giardia was mentioned as possible cause($410.00). 2nd was for a few blood tests and Vet. visit to rule out hypothyroidism ($327.00). Again, they paid nothing. 3rd was for retained deciduous teeth which they said was covered prior to the Vet. visit and surgery ($1300.00). After I sent in the claim, they said it wouldn't be covered because it was a pre-existing condition even though I got the puppy at 10 weeks old with all the baby teeth in their proper positions. After calling Trupanion to discuss these problems, all I received was a rehash of the reasons why they would not pay any of the claims. They only thing that was done correctly was the refund for a partial month's payment after cancelling the policy and switching to Purina Care. I have had absolutely no problems with Purina Care.
5

out of 5

POSTED: | BY: Becky

Glad I had it!

2 weeks after signing up our beagle puppy Clark for thinsurance he was hit by a car. He will make a full recovery, but without the insurance I dont know that we could have afforded to have him treated. So far his bills are over $2800 and we are not done yet. Thankful I have it, our puppy should lead a full happy life now because we could afford the treatment he deserved
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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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