Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,883

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: Sandor Dugalin

Thank you for making pet insurance in…

Thank you for making pet insurance in Canada easy! Your phone associates are friendly, knowledgeable, and competent!
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2

out of 5

POSTED: | BY: SM

Unreasonable premium increase

I luckily haven’t had to make any claims for our dog within her first year with us. She is perfectly healthy, but that didn’t stop our premium going up by 50% on the anniversary of starting her coverage. Mumbo jumbo excuses when I called…it’s where you live, it’s her breed (she’s a mutt), etc. Only option to decrease premium is to lower the coverage. At that point, I may as well go to another company.
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1

out of 5

POSTED: | BY: Teresita Tucker

Disappointed

Hello When selecting a insurance policy for our Bernese Mountain dog we wanted to ensure we had the financial security to ensure his best health. While shopping around trupanion was the most frequently recommended with the best customer satisfaction therefore we brought our business and trust to trupanion. We selected a policy with a 250 deductible and 180 dollar monthly payment. We are at the one year mark and have made minimal claims. Trupanion has increased our monthly payment by 110 dollars. Trupanion is now requiring 290 a month for the same coverage. To compare this is that same amount as my home and vehicle insurance combined. This rate has made it impossible for me to ensure the safe and health of my dog. We understand the significance of inflation and increased medical care however this is more than an 55% increase of my current premium. In comparison other companies I have been quoted around 140 a month for a 250 deductible when giving them my dog’s information. As a reputable company I would hope for a reply …. I sent this originally as an email and did not hear from you …
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5

out of 5

POSTED: | BY: Anthony Griffin

Grateful to have Trupanion on my team!

I really appreciate having Trupanion supporting my dog owner experience. My dog is a rescue and unfortunately over time has developed some chronic ailments. Trupanion has always been prompt at evaluating and paying the claims. This is a great stress reliever and I am very glad to be a loyal Trupanion customer.
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1

out of 5

POSTED: | BY: Caylee

Do not recommend

EDIT: After several emails back and forth, Trupanion confirmed that I have more than one category for 'mass(es)' both with separate deductibles even though they were the same, and submitted the same. Complete waste of time. Do not recommend. I’ve been with Trupanion for 10+ years and have paid over $10,000 in monthly insurance, above and beyond all of his vet costs. So far in my dogs 11 years, he has had less than a handful of things covered. Most recently he underwent surgery to remove and test some lumps and Trupanion is not covering any of the lumps despite "mass(es)" having previously reached the deductible years ago. Not only are they now breaking the lumps down by type they are also doing by location. This means that if the cells are even remotely different, or in a different spot, they begin their own deductible. So, if it isn’t the same type and same spot it doesn’t go towards my deductible. I don’t recall this being the case when we started - and none of these are pre existing conditions (before the start of policy) since I’ve had the policy since my dog was 6 months old. Despite a couple of appeals, I still cannot get clear information on the breakdown of deductibles, nor was I ever never notified of a change to my policy. I would advise speaking to all other possible insurance companies when looking at a policy for your pet because you won’t be receiving the coverage that you need through Trupanion.
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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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