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: Natalie Holoboff

Truly beneficial!

Trupanion has been a life saver.....literally. l would not have been able to afford ACL surgery for my dog. Not sure what l would have done. But thankfully my vet encouraged me to get Trupanion because of the breed of dog l bought, and I've been thankful everyday for that!
5

out of 5

POSTED: | BY: Ernesto Rosales

Very friendly and accommodating staff!

Very friendly and accommodating staff!!!
1

out of 5

POSTED: | BY: Michaela Carrazedo

Not happy with price keeps going up and in the 6 years I've had it you have only paid out $19.

Not happy with price keeps going up and in the 6 years I've had it you have only paid out $19. But yet price keeps going up typical insurance. I pay the same as someone who gets use out of it. Should be like car insurance you don't claim rate doesn't go up. Would not recommend to anyone would actually say open your own account and put money aside for type pet at least if you don't use the MONEY STILL YOURS.
1

out of 5

POSTED: | BY: Donna Crandall

Sadly unhappy

The people are nice, but almost everything I submit is denied. Also, changing my address from a PO Box to a street address less than a mile away is going to raise my rate $34 a month.
2

out of 5

POSTED: | BY: Jean Haley

Unhappy Customer

Billing was very confusing. I have paid my veterinary at his office on the day of the surgery for my dog, Penny. Now you tell me I only owe $393.97 when I have already paid $732.75. The Vet's office phoned you while I was there and received confirmation that you would send me a cheque for the difference. You have not given me satisfactory service for my first ever claim. I am considering leaving as I have paid you since 2016 and this is the treatment that I have received. Not good enough! Please send me the cheque that is owing to me ASAP.I could set up my own account to look after Penny's needs and would not have the confusion as I have had over this claim.

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  

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