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.
5

out of 5

POSTED: | BY: Kay Malinka

Kind + ready-to-help team!

I just signed up for TruPanion (on a friend's recommendation). They were easy to reach with questions, very kind, helpful in understanding the policy, and made signing up easy. Of course I hope I don't have to use this coverage any time soon, but I rest assured that they can pay my vet directly and make the financial part of any injury or illness smooth.
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5

out of 5

POSTED: | BY: Darrin Keith

Explained very well over the phone on…

Explained very well over the phone on what coverage is all about
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5

out of 5

POSTED: | BY: Lil

Love Trupanions helpful and friendly staff

Signing up was very easy, and their Representatives are friendly and helpful. Our Vet; our Breeder and friends all recommended Trupanion. Accessing their website was very easy.
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1

out of 5

POSTED: | BY: Brad White

Premium increases are insane

I've had my cat covered for 11 years and in that time my premiums have tripled without a single claim. She's been healthy the whole time and yet it went from $50 to $150 per month. Save your money and put your premiums in a savings account, at least then you'll have the money for your pet when needed and the savings account won't deny your claim based on some bs loophole they use to deny claims.
1

out of 5

POSTED: | BY: todd aitken

Avoid This Pet Insurance Company at All Costs

I am writing this review to express my utter disappointment and frustration with Trupanion. Our experience with them during a medical emergency for our beloved dog was nothing short of horrific. Yesterday, my dog ingested something harmful and we immediately reached out to Trupanion to file a claim. We provided all the necessary details, believing we were covered, as we had previously confirmed this with their representatives. However, when we needed them most, they rejected our claim, citing "previous condition". This was incredibly misleading, as we were assured coverage for such incidents. What made the situation even more infuriating was their dismissive attitude. Meanwhile, we were watching Ollie suffer, desperately trying to find a solution. Despite our efforts to arrange funds for the surgery that evening and scheduling the procedure for the next morning, our 3-year old dog tragically passed away just hours before the operation. This experience has been devasting for our family, especially our children. The lack of empathy and the cold correspondence we received from this company only added to our grief. We are now considering legal action due to their negligence and failure to honour their promises. I urge anyone considering pet insurance to stay far away from Trupanion. Their lack of support during a critical time has left us shattered, and I wouldn't wish this experience on anyone. Protect your pets and your piece of mind - look for a company that truly cares.
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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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