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.
2

out of 5

POSTED: | BY: Nancy

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I've had Trupanion Insurance for two of my pets and never submitted a claim. My seven year old Golden needs surgery to remove his anal sacks...a problem he has had since he was a puppy. The claim was denied as a pre-existing condition. My dog has never released his glands and the condition now warrants attention. I've chosen to leave this company as their evaluation basically doesn't make sense...How can an issue from birth be "pre existing"? This seems like a loophole and a bit too convenient for the Company. And, the woman with whom I last spoke was pushy and rude. I'm going to Pet's Best Insurance Company.
2

out of 5

POSTED: | BY: Theodore

Good customer service. Still an insurance company

Not happy with Trupanion. Been with then for over 5 years and have never needed them... Until now, my basset hound developed a skin allergy and he needs to be put on medication. We were initially denied the claim due to when he was 8 weeks old he had an ear infection. We appealed the claim with the vet submitting the appeal stating to them that they ear infection from 5 years ago has no correlation between the two. Trupanion came back with a denial once again stating that the claim is still denied due to an ear infection from 5 years ago. So beware that in the end they are just an insuarnce company and the last thing that they want is to spend money out of their own pocket. Even if you've been a loyal customer for years. I am happy that the previous reviews that their pets were helped. Also when phoning the company their people are kind and nice to deal with. But unfortunately you cannot speak to the people that review your appeal.
1

out of 5

POSTED: | BY: Ross

trupanion worst pet insurance place around

got trupanion for our English mastiff and about 2 months after having it our dog had to have tplo surgery took him to one vet said they couldn't tell without an xray so we took him to another and said that he needed the surgery so we do it pay for it up front and now we have been waiting for 6 months for our claim and they denied us for the 2nd time. finally canceled they don't care about the you or yours pets.
5

out of 5

POSTED: | BY: J Hoppus

Trupanion is awesome

One of my dogs recently tore her ACL. Without insurance I would have struggled to pay the bill. Trupanion does direct billing, so I didn't have to wait to be reimbursed. Within half an hour of the quote being submitted fit approval before the surgery I got a call telling be exactly what was covered and explaining all the details. Every contact I've had with the staff has been great. That are super knowledgable and friendly. They really eased the stress off a bad situation .
5

out of 5

POSTED: | BY: Madeline Martinez

Great insurance for your pets

I have no complaints with reimbursement and customer service. Fees do go up and usually with more coverage but you don't have option to exclude for less money. So rates do change a bit.
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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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