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: Alicia Wilson

Worth every penny!

I thought I didn't need the insurance because my pet was young and healthy. I almost canceled it. Two days before I was supposed to call and cancel my insurance, my cat swallowed yarn and required a $5000 surgery! Trupanion handled my claim quickly and with great ease. I am keeping my insurance! I will never be without it! Thanks, Trupanion!
5

out of 5

POSTED: | BY: Patrice Swift

Great Service

I submitted a claim for an operation performed on my little dog, ZEE ZEE. I figured the process would be a long drawn out one but to my pleasant surprise, it was easy, no hassles, timely and efficient. I received my check in the mail about 3 weeks from when I initiated the claim. This was my first experience with Trupanion claims process and it was a great one! Thank you so much for being what all insurance companies should be - customer oriented.
2

out of 5

POSTED: | BY: Lois

$51 rate hike was quite a shock!!

I have Trupanion for my two dogs. I had one rate hike for $20/month, which I did not feel was out of line. Now I just got a rate hike of $51/month. With all the statements about rates not being raised because of the dogs' age or the number of claims, I never expected to face a rate hike of this amount. I was told it was to keep in line with the cost of pet care. Since you are committed once you have the insurance because of "existing conditions" preventing full coverage with someone else, take care before you insure with Trupanion.
5

out of 5

POSTED: | BY: Zack E

Trupanion is AWESOME

We have been with them for 6 years and they are just terrific to work with. They are great on the phone, always have an answer, reimburse quickly and the coverage is phenomenal.
2

out of 5

POSTED: | BY: Pat

Loop holes

We pay monthly for our pet insurance with Trupanion. Our ten year old lab needs to have two teeth possibly extracted and because the dog had "mild gingivitis" two months before signing up over two years ago, they are denying the claim because it was "pre existing". Very nice customer service, all while telling you "sorry.... can't help you." We got trupanion to help us with big, unexpected bills such as this, and they left us high and dry.
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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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