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.
2

out of 5

POSTED: | BY: Maisy

unfortunate...

I have been happy with Trupanion in the past. I have had them as an insurance provider for my boxer for about 14 months now. Unfortunately, I got an email today saying that my premium is now going to be raised 120%. This seems outrageous to me seeing as I have been carrying their most expensive insurance at almost $55.00 a month. My premium will be almost $120.00 a month. Excessive. I feel like it is some kind of scam.
4

out of 5

POSTED: | BY: Scott

Atopic dermatitis

I took a while but they paid the claim
1

out of 5

POSTED: | BY: Raymond

Ripoff - Raised Monthly Premiums 70% After 1 Year

This company raised my monthly premiums by 70% after the first year despite the fact that my dogs had not been sick, injured or diagnosed with any disease. They got perfect bills of health from vet check ups, were current on vaccinations and were not overweight. When I called to ask why the monthly premium went up 70%, they told me that it was adjusted based on the rising cost of treating pets in my area. Nothing should have an annual inflation increase of 70%. This Company likely quotes low rates for the first year, only to raise them once they get you to sign up. If they are not straight foward on rates when initially signing me up, then I don't trust them when I actually have a claim. When calling to cancel, the service rep told me that a special representative needed to talk to me before processing my cancelation, but that person was not available. I don't know why the service rep I had a 10 minute conversation with could not process my cancellation. I am now waiting for the call back.
5

out of 5

POSTED: | BY: Chris

Quick, Easy and Reliable

We have had three surgeries with two animals since April 2011. One of our dogs does not have insurance. We were definitely pleased because we did not anticipate all the medical problems that has risen since we saved these dogs last year. This was our second claim for ACL rupture and it was simple and easy to file with. After about 7 to 10 days we received our checks and she is doing fine now. Thanks for everything. A+++++
5

out of 5

POSTED: | BY: mustluvpets

Trupanion-coverage concern

So far I've had one or two minimal claims, and I mean under $50--my terrier is over 2 now, but has enjoyed perfect health. His breeder has urged me not to immunize him any further until he is 7, as they can encounter complications and his immune system is likely to be damaged by being injected with disease. My sister's Sammy got kennel cough even after being immunized--the booster does not protect against all viral forms of kennel cough. I'm afraid if I don't immunize, and he gets something like kennel cough, Trupanion will not help. Do they even test which strain a dog gets? Could we even know if was s strain covered by the booster? I keep him out of dog parks now & I groom him myself. But I do not want to set him up for illness by making him sick from his shots. I read the veterinary industry is reviewing their immunization schedule because of health concerns. Any thoughts?
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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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