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: Nicole Ng

Beware of policy wording - read fine print

This company has very misleading advertising. They claim to cover 90% of the bill but they don't cover taxes or exam fees! Where I am taxes are 13% which means they cover 77% at best. They claim to not raise premiums based on age but it's clear from reviews you can expect a 50-100% increase when the dog is a few years old. (I feel they rely on cost sunk fallacy.) They don't cover dental extractions if your dog is a heavy chewers or doesn't get frequent cleanings. The deductible is per illness so if your dog starts vomitting after an emergency vet visit you will still be on the hook for the deductible again. Cancelling wasn't too much of a hassle. I cancelled almost immediately after signing up. Hopefully it gets processed quickly.
1

out of 5

POSTED: | BY: Michelle walker

My premiums have gone up 2 times in…

My premiums have gone up 2 times in less than 6 months! I have never had a claim. I have 3 dogs so the cost is high now with these increases I don't think I can afford it anymore. I have already changed my package to one with a higher deductible 3 years ago to lower the premium. I don't understand these big increases.
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2

out of 5

POSTED: | BY: Vanessa Kitson

Money grab

While I appreciate the coverage trupanion can offer my dog, I am highly disappointed that over the 2 years I have had this insurance, my MONTHLY cost has increased by $50. That is an extreme amount for a monthly cost increase (especially since i have yet to utilize this insuance in any way) and it is no longer an affordable option for me to continue with this insurance. I do not believe that this cost increase is necessary to "better serve me" as is often spouted in the notice letters, but is just a money grab by you playing on the emotions of pet owners. I will be better off saving that same amount of money each month in an account for my dog where I know it will be put to appropriate use.
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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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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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