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: Nic

Terrible greedy company. Choose anyone but Trupanion

This company will start you off with a great rate and then they raise your monthly fee every single year. We were with Trupanion for 5 years and never made a single claim. Started around $50 a month and now they raised it to $105. They will lie to you and say it has nothing to do with your dog aging and that it’s based off other breeds in your area and their health costs. This company is greedy and I would never choose them again. My advice is to choose any other pet insurance company but this. Please avoid. I hope this review helps others from being ripped off.
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1

out of 5

POSTED: | BY: Paulo Feitosa Torres

They will triple your rate with no claim

Worst company possible! I insured my Samoyed puppy at 10 weeks of age with a deductible of $200. And was paying $120 a month. One year after they increased to over $300 a month and stupid me decided to stick with them increasing my deductible to $750 and monthly rate of $155. This year they increased again to $195. I never had a claim or anything. They said my rate increased because there was too many samoyeds claim in my area, nothing to do with me…
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1

out of 5

POSTED: | BY: Josh Thomas

Premiums double every year

The costumer service is incredibly friendly, but they are a money hungry company who claim the cost of care is increasing which I believe as the cost of everything is. Yet they have doubled the premiums every year even with a high deductible it’s still an outrageous amount per month. I will be looking elsewhere as I want the safety net of insurance but it has to remain feasible.
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3

out of 5

POSTED: | BY: Serge Kaminsky

False advertising

False advertising. Thankfully (knock on wood) in 6 years I have never had to file a claim, however, their practice of inexplicably raising fees has exceeded my allowable limit. 125% increase over 6 years for a healthy mixed breed less than 20 lbs. That's ridiculous. I spoke to my vet and no way has vet fees or test fees increased by this much in my area. Talking to customer service offered no explanation backed by any actual data. They claim to not "increase price based on dog age" however, I can search a quote for the age I registered my dog and its less than I'm paying now. This is a practice other insurance companies follow, however Trupanion specifically states they don't do this. Also there is zero benefit to being a loyal customer. Unfortunately I have to switch to another insurance company, I just wish I knew this when my dog was young
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2

out of 5

POSTED: | BY: Kayla

Every claim has been denied and price has doubled

Is it nice to have a bit of peace of mind when it comes to the health of my pet? Sure. But ultimately, pet insurance has not been a great value to me. I signed my dog up for Trupanion at 12 weeks, after being encouraged by our vet. My dog is now 6. My dog is active but responsible - has never gotten into too much trouble, but we've had to bring him to the vet every so often for issues outside of his yearly check-up. Trupanion has denied every single claim we have submitted. Dealing with them has not been pleasant. Since joining, our monthly rate has skyrocketed from $23 a month to $45 a month. I repeat - I've never even been able to make a claim.
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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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