Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,882

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.
2

out of 5

POSTED: | BY: Ken Andres

I have yet to make a claim

I have yet to make a claim. In under 2 years my monthly payment increased by 52%. My fault I didn't read the fine print. I was led to believe when I signed up, that my monthly payment wouldn't increase. This was great, as that was all I could afford. Everyone I talked to was very helpful and kind when I signed up. And after going through what I could find on price increases and costs in Saskatchewan, a 52% increase seems very steep. Saskatchewan has the best veterinarian schools in North America. I obviously missed some emails, which I did find in my junk emails. I would like proof of the increased costs that lead to my 52% increase.
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5

out of 5

POSTED: | BY: Amber Renton

Great customer Service

I haven't actually used the plan but calling to get information and set up both my dogs was fast, informative and efficient. The operator was very kind and I feel a lot better knowing I've finally signed them up and have them covered :)
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5

out of 5

POSTED: | BY: zazi bravo

So far, so good!

Initial visit online to gather up info was followed up by courteous emails. Trupanion was recommended by my puppy's breeder and my researxh confirmed their value. The enrollment over the phone was easy and Jackie was torough and answered all my questions. Quick process! My vet office does not take direct billing but not a major concern as the insurance does not control that aspect - the fact that Trupanion offers the option is sufficient. So far, I am satisfied.
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1

out of 5

POSTED: | BY: Tanya Marie

Absolute thieves

Absolute thieves. We have the top of the line plan and we are covered. We were arbitrarily denied a claim despite the vet explaining and sending over all the information. We will be contacting a lawyer to recoup all the money we’ve paid thus far. AVOID!!!!!!
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3

out of 5

POSTED: | BY: Harvey

Enrolment was easy...price was almost…

Enrolment was easy...price was almost 50% higher than what the commercial noise stated, but it still seemed to be OK. I did the enrolment because the cat is a registered bengal and worth a bit, plus we love her all to hell. However with any insurance two issues are important. Price increases that are hard to justify, and no coverage for a variety reasons when claims occur. How easy it is to send money for coverage isn't as important as what the coverage really is in the end, and whether or not a pet savings account is cheaper in the end. So we'll see.
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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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