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: Esther Klemens

The Best!

This Company is the most helpful and friendly organization that I have done business with. They will make sure that your experience is taken care of quickly and with the care of your animals as you would care for them! Do not hesitate to bring them into your life. If you care for your pets as we do you will have the most positive reception from Trupanion!!!
5

out of 5

POSTED: | BY: Virginia Ray

Trupanion Pet Insurance rocks!

Everyone I have dealt with has been extremely helpful. Their response to faxes and emails are very timely and thorough.
5

out of 5

POSTED: | BY: Ann

Thanks

Very good service and you are so awesome
5

out of 5

POSTED: | BY: Tammy Parnell

Fantastic

My puppy needed surgery for OCD of her humerus. Trupanion was wonderful getting her pre certified and paying the hospital directly. I appreciate the great customer service.
1

out of 5

POSTED: | BY: Nikol Sinclair

RIP OFF Expect compounding 20% increase annually

I am a former vet tech with a degree in animal health and a lot of knowledge on animal physiology as well as the cost of vet care. Trupanion outright lies when they say that your rate wll not increase if you make a claim. I have the evidence in writing from them. They said the "cost of vet care" is determined by the cost of actual vet care for the type of animal in our "region" later a rep told me they meant ZIP CODE. So if I have three Pekingese, which I do, insured with this company and my pekes had several claims in a year, of course my rates would go up. My rates for Peke 1 : 2010: $35.51 2011: $59.70 59% INCREASE after the first year! 2012: $45.21 25% decrease from prior yer but still 22% more than the 1st year which far exceeds the increase in the cost of vet care in my area over 2 years (not to mention I paid $290 in EXTORTED premiums for the 2nd year of coverage) 2013 $48.11 approx 6.5% increase from prior year; and 36% increase over 3 years = NOT CONSISTENT WITH INCREASE IN VET CARE COSTS IN MY AREA` 2014 $53.43 roughly 11% increase = NOT CONSISTENT WITH INCREASE IN VET CARE COSTS IN MY AREA` 2015 (information missing, but I assure you it didn't decrease) 2016 $85.49 241% INCREASE over 6 years! The actual cost of vet procedures has increased maybe 10-15% in the 6 years I have had my pets insured with this company. They trick you by using phrases which make it seem like your costs will increase with the cost of procedures and not with the filing of claims but this is totally false. Shame on you, Trupanion. Shame on you.
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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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