Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,870

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.0
  • 4.6
  • 4.8
  • Count
  • 6
  • 225
  • 25,870

Updated: November 13, 2023

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: meghan potters

Don’t waste your money

Don’t waste your money. They will say everything is “preexisting”. I tried to make a claim about several things that had never occurred before and they said it was all “pre existing” they will try and correlate every issue with something in a past chart to justify their denial. Then they raise the prices drastically. I was paying $75 then they jumped it to $100. No claims ever covered, no change in health status. Just an unjustified price hike.
1

out of 5

POSTED: | BY: Meghan Hug

Scam

Don’t waste your money. They will say everything is “preexisting”. I tried to make a claim about several things that had never occurred before and they said it was all “pre existing” they will try and correlate every issue with something in a past chart to justify their denial. Then they raise the prices drastically. I was paying $75 then they jumped it to $100. No claims ever covered, no change in health status. Just an unjustified price hike.
2

out of 5

POSTED: | BY: Joel Gratton

Please go to the media

Please go to the media. If you are also a victim, expose this company. Response to Trupanion: my pets condition was not proven to have started before my policy was in effect. You link everything to preexisting whether there is a medical basis for it or not. You are scammers. Nothing more. This has been my 2 month experience with Trupanion: I will start with the only positive feature of this company. The employees in the online chat and on the phone are available immediately and are very kind. Unfortunately, they have no, and I mean NO power whatsoever. Even the managers have no power. They are basically therpapists that console you when the corporate fat cats deny your claim. When you get on the Trupanion website or visit their YouTube channel, you will see claims of a caring, premium, unmatched pet insurance company. In my experience, they will let your animal die, happily, if it saves them a dime. On even the THINNEST of evidence, they will deny your claim. Sift through the reviews here and visit consumer affairs. You will see many examples. Google "CTV news Trupanion". They have done at least one story on this company. Trupanion is back logged with appeals. I filed an appeal on a Jan 21 2024 case. I was just denied this week. That's 2 months just to await an appeal. It was only reviewed 1 day before being denied. They are so backlogged with appeals that it will take 2 months just to get around to yours. They have a 30 day medical waiting period which they will use, not to deny just fraudulent claims, but to deny legitimate ones. How could you forsee a medical problem with your pet, say 27 days in advance? Why are other pet insurance waiting periods 15 days for medical? Here's my suggestion. Give this company the name of every clinic you have ever been to. Tell them to get your pets records. Then ask for a letter with pre existing conditions that will not be covered. If you don't, they will screw you. They will associate any symptom your pet has had in its life with their current claim reason, and use it, with no medical evidence, to deny you and let you fur baby die. They do not care about you. I will be reporting them for fraud and have contacted CTV NEWS and other media outlets. I will stop at nothing to help people from suffering the way I did. They will tire you out emotionally until you can't fight anymore. My therapy dog almost died because of this company. The dog I have to help me through my PTSD from working in medicine. Don't believe the response "we're pet owners too, we care, please call us." Remeber this: They don't care. Not about you. Not about your animal. The blood of many animals is on the hands of the rich who run this company. Run. Fast.
1

out of 5

POSTED: | BY: Rebecca Henderson

Your Premium will increase, beware.

While they do direct bill with some veterinarians, which is great. Your premium you sign up for does not remain consistent and will go up. They claim it is because of increasing veterinarian costs and how they compare to other providers. However, I never had an increase until I started using the insurance. Took them 2 plus weeks to get back to me on why the increase from $89.00 to $127.87. Just ridiculous you might be better off setting up a savings account for your pet. I am very disappointed in them and would not recommend using them.
5

out of 5

POSTED: | BY: Sandor Dugalin

Thank you for making pet insurance in…

Thank you for making pet insurance in Canada easy! Your phone associates are friendly, knowledgeable, and competent!

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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