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.
1

out of 5

POSTED: | BY: Nathan Struyk

Pretty awesome idea to give people a…

Pretty awesome idea to give people a free month of pet insurance, however to actually get customers to continue using the insurance, they should actually cover a vet bill during the free month trial...otherwise what is the point. Refused coverage for a vet bill after signing up for the insurance. Looking into the payments as well, they seem rather expensive ($160 range / month). Seems quite a bit more than other companies.
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4

out of 5

POSTED: | BY: Lynn Lindsay

Decided to buy insurance for our pup when we had to forego our vacation to pay for our oldest dog’s vet bills.

I enrolled online for our youngest dog. No problems. Insurance is one of those things you pay for hoping you never have to use it. Molly is our sixth dog and the first we have bought insurance for. We have taken some financial hits over the years but nothing astronomical. Then we took Charlie (our oldest) to the vet and found out he needs a cardiac ultrasound to rule out a heart issue before having surgery to remove a cracked tooth. We are canceling a planned vacation because Charlie’s vet bills are going to use up most of our vacation fund. That’s when I decided to get insurance for the pup, Molly, and I hope we never have to use it!! The enrollment process was very easy. It’s not cheap but we look at it as forced savings and pray that if and when an issue arises, it will be covered.
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5

out of 5

POSTED: | BY: Shelby Hansen

First time getting pet insurance

First time getting pet insurance. Very smooth, explained coverages and all options. Good customer service
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5

out of 5

POSTED: | BY: LLD

We initially were going for a different plan

We initially were going for a different company offering a lower monthly premium, however, it also then had limits on what amounts they would contribute towards treatments. We then made an appointment with a new vet (our old one went out of business) who recommended trupanion, touting its policy of no limits, and full coverage of any emergency. The immediate 30 day coverage was completed by the receptionist before we left the vet, and I completed the full coverage by phone. All was explained to me in detail, allowing me to choose which deductible amount was good for us, and now all is in place and our four year old 'Ashton' can enjoy a long and happy life.
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1

out of 5

POSTED: | BY: Xin Feng

Coverage for anaphylaxis deemed preventative care

Our dog was anaphylactic (swollen face, difficulty breathing) to vaccines since she was a puppy. Her vet recommended that she is given pre-treatment with her vaccines to keep her safe. She had her annual vaccines just recently Recently I was told by Trupanion that since this was a pre-treatment, it was PREVENTATIVE CARE and thus not covered. However if she suffered an allergic reaction and then we bring her in then it is a covered condition. Individuals with a known peanut allergy who take an epi-pen after peanut ingestion is not preventative care, it's treating an exposure to a known trigger. A dog with a known vaccine allergy who take medication due to expected vaccine exposure is not preventative care, it's treating an exposure to a known (and necessary) trigger. I am very disappointed in trupanion's position that she needs to suffer with potentially deadly consequences in order for something like this to be covered when she was exposed to something she is known to be allergic to! I don't think this is how a company who says that they are "dedicated to helping dogs and cats get the best care" should operate.
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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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