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: Nicole Cormier

Fabulous

Trupanion allows you to focus on the health and well-being of your furry family member - instead of worrying about payment. Reimbursement is quick and you never have to worry about anything - other than your pet - which is the way it should be :)
5

out of 5

POSTED: | BY: Bianca

Fantastic service!

Very speedy service, no complications, fast reimbursement.
1

out of 5

POSTED: | BY: Stephen

Trupanion WILL raise your rates as your dog ages.

You will start out with a low "Guaranteed" premium. Once your dog starts to age the rates will go up about $10/year. Even if your dog has been healthy its whole life.
1

out of 5

POSTED: | BY: LoveMyFurBabies!

Ugh!! Money over pet

Your premiums increase like crazy. It makes more sense to put that money away each month and build a little "reserve" for them. Because you will have a hard time actually using it or getting it back (in care) from Trupanion. Above all they are an insurance company - money money money... When we got our pets and I was blinded by my love for them, I thought I would get the best for them. At the time Trupanion sounded great. Trupanion will send you "cookie cutter" emails, making you think they care, "Thank you for taking such good care of your furry friend". But it's complete BS. All they care about is your $$ (Insurance company!)... After constantly having to go through the appeal process, those emails start to sound very patronizing. They will also contradict what the vet said, and talk down to you in the emails - like you don't know your own pet. Our vet has been flabbergasted with the lack of care Trupanion provides. When it comes back to it, as an insurance company, they will do all they can to NOT support you. Sadly, after several years with them I finally get it. I will definitely NOT be using them in the future and my family is currently looking at alternatives... Hopefully the cancellation procedure isn't too bad...
5

out of 5

POSTED: | BY: Claudia Griebel

Trupanion gave Saphira outstanding care!

10 - bestFrom the day Saphira tore her cruciate ligament on her right leg (November, 2012) till now, Trupanion has been with us all the way. They provided 90% of a $4500 claim, and they also supported physiotherapy, and the ensuing complementary medicine (hydrotherapy and laser therapy) that benefitted Saphira immensely. I recall having received one comment that we had made it past a year, and Saphira still had not torn her other cruciate ligament on her left leg. This can happen often, we were told. Well, it is now almost two years, and we have been accident free. I am not saying that she won't be affected, but the statistics are definitely in her favor. And the main support was her alternative therapy. She did a 5k run for the military last summer, and a 2k run this summer. I will be continuing her therapy, because she benefits from it so much. And it is Trupanion that we owe a tremendous amount of thanks to. The agents, and all the people I have dealt with, have been absolutely top-notch. I would not have any other insurance company.
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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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