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: Rachel

Disappointing experience

My information was entered incorrectly on my initial policy, and the company displayed no goodwill towards rectifying the consequences of their mistake for myself and my kitten 😔 was initially excited to get going but will be forced to explore other options.
1

out of 5

POSTED: | BY: Sue Bartella

FALSE ADVERTISING.. DO NOT TRUST THIS BUSINESS FOR YOUR PET

Wow, everyone seems to love Trupanion, and they've all had good experiences. I have a really important question to ask you all. I need some help understanding.. When you take your pet to the vet, do they pay the bill once submitted, minus your deductible? Because, honestly, my experience hasn't been as good as yours. I'm almost a year in, and YES I just received my rate increase without them paying a cent for any of my big vet bills 😢 I'm one unhappy customer, and I'd never recommend Trupanion. I'm canceling this week. I already pay $87 off the hop. Have had it nearly a year and their poor lame excuses for non coverage on claims is making me want to move elsewhere quickly! I do not recommend Trupanion.. although what they offered seemed better than the rest. There is better! I just received a$3.66 reimbursement after spending thousands in a shy 2 months!! How crooked and embarrassing for a business to clear $3.66 when my bill was $320. That's a mere 1% ... mind boggling!
5

out of 5

POSTED: | BY: Angela Caron

More than a dog , they are our fur baby

My golden retriever Aurora was diagnosed with a heart condition. Thanks to trupanion I was able to get all the tests and treatment that she needs. She had to go through a few trials of different mediations until they were able to find one that worked. This was a very stressful period, but thankfully, her vet bills were not one of the stresses. Always got a friendly and helpful rep anytime i called with any questions who were super helpful. My Aurora will be getting a little puppy brother this fall and you can bet he will be added to trupanion. They understand that it’s more than a dog they are our fur babies
5

out of 5

POSTED: | BY: Susan Crystal Roscommon

Tru to the point

I heard of this insurance from my brother, it helps with six dogs. Specially when two are pregnant.
5

out of 5

POSTED: | BY: Pete C

The enrolment experience was great

The enrolment experience was great! Clear and an easy step by step setup process! Thank you

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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