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.
5

out of 5

VETERINARIAN: Little Paws Animals

POSTED: | BY: Susanna Chong

Never go without a pet insurance

My dog is 14 years old now. Not a very healthy one. Lots of health issues when he was one year old. So glad I make the right decision to buy a Pet Insurance from Trupanion Canada the day I bought my dog. My claims were never declined and reimbursement was very quick each time. Customer representative is always sympathetic, caring and knowledgeable when calling them. Without a pet insurance, I definitely will not be able to afford the huge vet bills through all these years and my dog’s health being taken care of. My daughter has her pet insurance through Trupanion.
1

out of 5

POSTED: | BY: Teresa S

Called in for an update on my banking…

Called in for an update on my banking information and not even 15 mins later received an email stating my premium went from $89 to $107 . I called them asking about this why you increased just for an update they LIED and claimed they sent me an email on Jun 13th then when I said you lied they said Jun17th. Again lied to me because I said I was looking at all my emails for those dates and nothing but how coincidental that at 1:32 pm 15 mins later I received a notice of increase . A complete joke !!! Deceitful company.
1

out of 5

POSTED: | BY: Higher Road

These guys suck you in with good rates…

These guys suck you in with good rates than jack you up repeatedly. I have a very healthy dog, a $1000.00 deductible and my rate quickly escalated 89%. I've never had a claim. I approached them about the huge rate increase and they offerd to cancel my insurance on the spot. Insurance is a scam for the most part - save monthly (my premium is now over $75.00 per month) - and you will have a good nest egg if you need it. PS Downgraded my review given their response. I spoke to them once as indicated. They were quite clear I left. If it takes a bad review for them to consider charging fairly then this is even more problematic than I thought.
1

out of 5

POSTED: | BY: Bruce Roberts

Terrible run

They do everything possible to avoid paying. Er visit dog choked on bone.....oh sorry it's a visit and we don't cover that....ummm it's an er visit not planned...nope. oh and you tried a hypo allergetic food....so 2yrs later your dog has allergies...yeah no we won't cover it. It's not worth it. They go so hard w not covering you it is better to take a loan and pay that off. I seriously have to tell you they are scammers and will stop at nothing to prevent paying. And it's 500 deductible all the time plus no visit is paid for regardless.
5

out of 5

POSTED: | BY: Tracy Nosaluk

In memory of my Lincoln !

Last year unfortunately I had to say good bye to the best dog I’ve ever had in my life !He suffered a horrible injury yo his spine ,we did everything our trusted vet suggested from laser therapy ,cat scan ,different meds .He was never to regain his continence .I was shattered but through it all trupanion had my back making these expensive tests affordable to try absolutely everything we could for him ! I’m still so sad my heart aches however I have a niece now of my late boy ! She’s keeping me busy and healing my heart ,right away we never hesitated and signed her up at 7 weeks old right after we brought her home For anyone on the fence about pet insurance don’t hesitate please get them covered as they all deserve the very best we can humanly do for them as they are part of our family .Thank you Trupanion for being so supportive and I never worried about $ I could focus ALL my attention on helping my baby boy and when it was all said and done they were still here supporting me ! Heartfelt Thank you Trupanion ❤️🦴🐾

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 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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