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.
3

out of 5

POSTED: | BY: BD

Price increases every year

I got Trupanion for my dog from 9 weeks old. My dog is now 3.5 years old and the monthly rate has gone up year over year starting at the first year. I can understand the first year or two, but the price is getting ridiculous for a dog with zero health issues.
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5

out of 5

POSTED: | BY: Lana

Reasonable fees

You have kept your fees within a respectable level.
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5

out of 5

VETERINARIAN: Waves

POSTED: | BY: Jennifer Foster

Surgery expenses

From beginning to end trupaion has been there and made this experience easy and we felt cared for. I would recommend trupaion if you are getting a puppy or any pet in your home.
5

out of 5

POSTED: | BY: Elizabeth B

Highly Recommend

We've had our dog since 2016 and have been with Trupanion since we got him as a pup. They are honestly amazing, with fast refunds and excellent coverage. The monthly price changes based on veterinary prices, so your monthly may go up or down yearly. My only complaint is that we didn't think to get coverage for physio/joint treatments, and now it is too late to add to our plan. I think it would be better if Trupanion gave options based on common breed problems because we would have chosen that if we had known. Otherwise, Trupanion is amazing; we've had to make many emergency claims, which did not affect our monthly payment. This plan has paid for itself.
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1

out of 5

POSTED: | BY: Alex

Everything starts out great but then…

Everything starts out great but then they throw a huge price increase on you. The first couple renewals are "normal" increases and then all of a sudden 37% increases on animals that have NEVER had a single claim. Way better off to set some money aside yourself for future bills rather than send them thousands (yes I pay over $1344/year) you might never use and cant get back. And bonus, the money I set aside myself covers 100% of ANY vet expense!!! NOW you want to talk to me about my account??? You didn't seem to want to talk when I called in to cancel. Asked my reason for leaving and said "ok" No one tried to talk to me at all!
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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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