Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 27,612

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.8
  • 4.7
  • 4.8
  • Count
  • 5
  • 455
  • 27,612

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: B. Bourne

Stock keeps going down down down ...

I stopped $feeding$ these guys some time ago but just dropped by to see if still for every bad (REAL) review, team of TP posts bunch of glorious (BS) reviews! Yup - still do! Speaking of stock, during pandemic, it went up but their dumb shareholders thought because of pandemic which caused more and more Pet Parents, they would keep them. But reality is these vultures -> gang of Vets + pet insurance companies take advantage of our feelings toward our beloved furry family members and rob us! So, many cats and dogs ended up back in shelters, or released in some parks far away from their homes - and the rest like myself decided to open a saving account just for my dogs and emergency matters. UPDATE: Response to TrustPilot's nonsense request: I am NOT going to share any more personal information that you are entitled to. Meaning, NO phone numbers. Real name and email address has already been used to register. Response to Trupanion: Look up my name within your records and 10s of emails asking me to continue wasting my money when clearly nothing would ever be covered because of some imaginary pre-existing conditions due to couple of vets's confusions. They offered to correct their errors but guaranteed TP wouldn't care! You also did not inform me about my dog's health records / history received from any of our vets. When complained it, your agents acted surprised, however, confirmed and blamed their "systems" for error! Obviously, it would help us plan accordingly based on what would be covered or not! Next -> your LONG list of vets on your web site who accept to get paid by TP directly? I contacted 10+ randomly chosen from your list. They all told me YES they would have no problem filing my claims with TP, however, they expect customers to pay in advance and did not want the trouble of dealing with TP!
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1

out of 5

POSTED: | BY: James Huyler

Extremely Disappointed with Trupanion Pet Insurance.

As a pet owner, I am deeply disappointed with my experience with Trupanion pet insurance. After opening an account with them as a Redemption Paws partner, where I adopted my rescue from, I expected a reliable and efficient insurance service. However, my experience has been nothing short of terrible. First and foremost, the lack of follow-up and answers regarding my claims was completely unacceptable. I submitted two claims and waited for over two months without receiving any reimbursement or even a clear response on the status of my claims. This level of unresponsiveness is highly frustrating and shows a lack of professionalism on Trupanion's part. Furthermore, the ambiguity surrounding whether or not I would receive reimbursement only added to my frustration. As a pet owner, it is crucial to have peace of mind knowing that my pet's medical expenses will be covered. Unfortunately, Trupanion failed to provide me with that reassurance. Based on my personal experience, I strongly advise pet owners to look elsewhere for pet insurance. Trupanion's lack of communication, delayed reimbursements, and overall poor customer service have left me feeling deceived and let down. It is essential to find an insurance provider that values their customers and provides timely and transparent support. Trupanion is not a reliable pet insurance option. I regret choosing them as my insurance provider and urge others to avoid the frustration and disappointment I have experienced.
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5

out of 5

VETERINARIAN: pierrefonds animal hospital

POSTED: | BY: Richard Merlo

Hanging in there

Trupanion has stood by our side over the past year and a half. Without them we could not have afforded to keep our pet alive. Their no limit policy is the reason I chose Trupanion as our insurer. It was a good decision on my part.
1

out of 5

POSTED: | BY: JW

Just Another Business

Trupanion is incredibly expensive and only provides 60 day notices of incredible increases. They say they base increases on average vet costs of your areas and your breed. That being said, what they calculate must be based on major city centers as my personal vet costs don't reflect the raise in insurance costs that they're claiming are necessary. I had to raise my deductible on order to bring down monthly costs from nearly $200/month to $108/month. It's better to have insurance than not, but please look elsewhere. I'm unfortunately trapped with them given potential preexisting conditions. There are cheaper and better options out there.
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5

out of 5

POSTED: | BY: Marie

We will always use Trupanion for our fur babes!

We have been with Trupanion for just shy of 10 years. We have both our dogs insured with them and honestly could not be happier with them. The claims process takes about one minute on the app and they are incredible at keeping us up to date and informed throughout the process. It is fast and efficient and more than anything there is no surprises if you read and know your policy. We have never experienced anything but compassion and stellar service from Trupanion! Bravo to them!
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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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