Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,879

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.
5

out of 5

POSTED: | BY: Teresa Hall

I am beyond grateful to Trupanion

I am beyond grateful to Trupanion for providing coverage for my dog. He has needed several very expensive diagnostic tests and most recently a very expensive surgery. Trupanion has covered it all and approves my claims in under 24 hours. The peace of mind I have knowing I can just say "yes" to give my dog what he needs is priceless. Thank you, Trupanion!
1

out of 5

POSTED: | BY: Ashley Polhuis

The vet recommended this company.....

The vet recommended this company for pet insurance and I felt that I would be a bad pet owner if I didn't get insurance for my dog breed that potentially could have health issues. Our first visit the vet said your dog breed has common breathing issues due to he Short snout and should think about the surgery in the future to prevent issues. I paid the insurance company for about a year and when we decided that we should do the surgery to prevent future issues, the claim was denied. I'm not sure how in the pockets of the vet hospital the insurance companys are or if they decline or give false information to reject claims for a kick back to the vet, but I am very unsatisfied with the product and support from trupanion. They also increased the insurance rates no notice because costs across bc had risen? I will be not recommending this insurance company to anyone with pets and feeling pressured from vets wether or not they are getting push back from insurance companies to pedal their products. I will also be having a conversation with our vet about the relationship between trupanion and if they actually care about the health and safety of our pets. I had no issue with the rate increase or the wait time for the claim to go through, it was the fact I was told our dog showed signs before hand and is not eligible..what's to say he didn't show signs of anything else? Its what ever the relationship between the vet and trupanion determines. I will just continue to pay vet bills in full and fully expect trupanion and the vets only care about the money
1

out of 5

POSTED: | BY: Ashley Polhuis

The vet recommended this company.....

The vet recommended this company for pet insurance and I felt that I would be a bad pet owner if I didn't get insurance for my dog breed that potentially could have health issues. Our first visit the vet said your dog breed has common breathing issues due to he Short snout and should think about the surgery in the future to prevent issues. I paid the insurance company for about a year and when we decided that we should do the surgery to prevent future issues, the claim was denied. I'm not sure how in the pockets of the vet hospital the insurance companys are or if they decline or give false information to reject claims for a kick back to the vet, but I am very unsatisfied with the product and support from trupanion. They also increased the insurance rates no notice because costs across bc had risen? I will be not recommending this insurance company to anyone with pets and feeling pressured from vets wether or not they are getting push back from insurance companies to pedal their products. I will also be having a conversation with our vet about the relationship between trupanion and if they actually care about the health and safety of our pets. I had no issue with the rate increase or the wait time for the claim to go through, it was the fact I was told our dog showed signs before hand and is not eligible..what's to say he didn't show signs of anything else? Its what ever the relationship between the vet and trupanion determines. I will just continue to pay vet bills in full and fully expect trupanion and the vets only care about the money
1

out of 5

POSTED: | BY: Ashley Polhuis

The vet recommended this company.....

The vet recommended this company for pet insurance and I felt that I would be a bad pet owner if I didn't get insurance for my dog breed that potentially could have health issues. Our first visit the vet said your dog breed has common breathing issues due to he Short snout and should think about the surgery in the future to prevent issues. I paid the insurance company for about a year and when we decided that we should do the surgery to prevent future issues, the claim was denied. I'm not sure how in the pockets of the vet hospital the insurance companys are or if they decline or give false information to reject claims for a kick back to the vet, but I am very unsatisfied with the product and support from trupanion. They also increased the insurance rates no notice because costs across bc had risen? I will be not recommending this insurance company to anyone with pets and feeling pressured from vets wether or not they are getting push back from insurance companies to pedal their products. I will also be having a conversation with our vet about the relationship between trupanion and if they actually care about the health and safety of our pets. I had no issue with the rate increase or the wait time for the claim to go through, it was the fact I was told our dog showed signs before hand and is not eligible..what's to say he didn't show signs of anything else? Its what ever the relationship between the vet and trupanion determines. I will just continue to pay vet bills in full and fully expect trupanion and the vets only care about the money
1

out of 5

POSTED: | BY: Ashley Polhuis

The vet recommended this company.....

The vet recommended this company for pet insurance and I felt that I would be a bad pet owner if I didn't get insurance for my dog breed that potentially could have health issues. Our first visit the vet said your dog breed has common breathing issues due to he Short snout and should think about the surgery in the future to prevent issues. I paid the insurance company for about a year and when we decided that we should do the surgery to prevent future issues, the claim was denied. I'm not sure how in the pockets of the vet hospital the insurance companys are or if they decline or give false information to reject claims for a kick back to the vet, but I am very unsatisfied with the product and support from trupanion. They also increased the insurance rates no notice because costs across bc had risen? I will be not recommending this insurance company to anyone with pets and feeling pressured from vets wether or not they are getting push back from insurance companies to pedal their products. I will also be having a conversation with our vet about the relationship between trupanion and if they actually care about the health and safety of our pets. I had no issue with the rate increase or the wait time for the claim to go through, it was the fact I was told our dog showed signs before hand and is not eligible..what's to say he didn't show signs of anything else? Its what ever the relationship between the vet and trupanion determines. I will just continue to pay vet bills in full and fully expect trupanion and the vets only care about the money

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  

Get a quote today

Leave a review