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: Bella

They raise your premium every year

They raise your premium every year - even twice in a year. They claim it’s due to cost of care in your area but that’s a lie. Compared with other pet insurances and claims never changed. They say they don’t raise premium based on age or claims but they do! I’ve had multiple increases. Shop around. Trupanion isn’t everything they claim to be. UPDATE: In response to your reply, if that is the case, my best friend has Trupanion, we live in the same neighbourhood, go to the same vet, and her premiums haven’t gone up! Explain this.
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5

out of 5

VETERINARIAN: Central Island Veterinary Emergency hospital

POSTED: | BY: Roland Dilssner

There when we needed them most for our new puppy

We can only say that we were so thankful that Trupanion was there for us when we needed them most. The stress of seeing our brand new puppy in distress was overwhelming. As brand new customers to Trupanion we weren’t sure if that they would be there for us on day 2. The ease with which our claim was handled at the hospital was truly amazing. We highly recommend Trupanion to anyone that has a pet. The costs of veterinary services can be daunting and it helps in knowing that you can get the proper care for your loved little friends. Thanks Trupanion 😃👍
1

out of 5

POSTED: | BY: Manoravy Thillainathan

Extremely disappointing experience

We enrolled our pup with Trupanion in 2022. Five months in to his enrolment he fell ill Trupanion paid 90% of our claim. We were very happy and loyal. In 2024 April our pet fell ill again and we submitted a claim and it is still outstanding ever since. We realized that vets don't like doing the paperwork involved ( probably there is not enough incentive) they asked us to provide paper work from our vet which was not what we signed up for. Their ad stated that they will approve a claim while we are at the vet, which is also not true, out of our two claims since 2022 one claim took minimum 10 days to settle and the other one is still outstanding since April 2024. Premiums increases every year based on our postal code ,$40, per month, they say that vet care in our postal code had increased. Since we were disappointed with the service we received , we shopped around with other pet insurance providers, their premiums for our postal code is $40 cheaper. (So vet fee increase in our area is a lie) We have cancelled our insurance with Trupanion recently. On the day of cancellation they credited our account $171 stating that it was owing to us and on the same day they took the $171 back. Since April 2024 I have received at-least 3 emails stating that our claim/appeal have been assigned to three different appeals specialists (its a delay tactic). How many specialists do you need to decide on a $440 claim. I strongly believe that its a scam, playing delay tactic, depositing and taking money into your account as they wish and without your authorization. Members be aware.Shop around there are better deals and services with other insurance providers.
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5

out of 5

POSTED: | BY: Nikki Greer

Thank you!!!

I just finished registering my new pup for coverage, I chose a $200 deductible this time around. I previously had a $700 deductible. I also added complimentary care as I wish I had of had it in the past. Acupuncture is expensive! Quick recap of my last pup... Total submitted to Trupanion: $38,520.30 Total paid in monthly premiums: $3,180.59 Total paid out by Trupanion: $23,179.27 There's many things Trupanion doesn't cover, but they saved me $20,000, and provided top notch customer service along the way. They're more than an insurance company, they're embedded in so many Veterinary clinics making their claim process seamless. I'm entirely grateful for Trupanion ❤️
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3

out of 5

POSTED: | BY: Alex Carey

sing up then get the price increases ! 50 percent in 2 years is too much

its ok but between our two pets weve seen 4 price increase in 2 years ! not pleased with some generic email saying our breed in our area is increasing
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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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