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: Sara

If you have a pet get Trupanion

Once again Trupanion came through. My beloved dog Frisco has many medical conditions. He's had numerous test done, many medications and having Trupanion has been a peace of mind that I can keep Frisco stable, happy and enjoying life.
1

out of 5

POSTED: | BY: MW

Anything to avoid paying

Basically if you have ever taken your pet to the vet before your policy took effect, you can be sure that trupanion will find a way to weasel out of paying anything for future issues. Ever had their eyes examined, anything in future related to their eyes will be “pre-existing”. Ever had their teeth checked, you can bet anything related to their teeth will forever be “pre-existing”. I’m sure if a serious accident ever occurred they’d find a way to say your pet already had a physical exam so any future injuries to their body will be somehow pre-existing. Only buy this insurance before your pet is born or ever attends a vet for the first time because they are weasels and snakes and won’t cover anything. Waste of money!
1

out of 5

POSTED: | BY: EM

Any reason to avoid paying

Took insurance for my pup early on. A few months later the pup swallowed a bone that required surgery to remove from stomach. The claim was denied because earlier vet notes included mention of the pup having small rocks in it's poop... so for them "ingesting foreign material" started before insurance coverage. Please name me one pup that has not eaten a small rock or eaten grass at one point... so of course if you use that kind of argument you can deny every claim. The vet notes are from me and the vet investigating why the pup had soft stool at one point (all typical normal pup events)... and now this info is used to invalidate claims... so it essentially makes my coverage crippled. I kind of suspected that pet insurance would be like that. Also (and this is on me for not reading) coverage does not cover taxes and diagnosis, so add this to deductible and %coverage and it does not add up to much coverage. All in all not worth it. Fortunately I am not broke and I do not need or want to argue with insurance companies so I will simply save on insurance premiums and pay myself. Coverage cancelled immediatly, luckily I only paid for a few months before finding out, no regret, moving on.
5

out of 5

POSTED: | BY: Sue Stoltz

Trupanion !broken teeth /cancer dog

I was a bit skeptical of pet insurance before. I thought I could tuck away enough for an emergency fund. I actually canceled my pet insurance. But then had a dog who tore her acl. 5$k later she was ok, if I had kept the pet insurance it would have been covered (but never any other acl since pre-existing). Just a tip if you have big dogs. My lab-boxer dog now has had 2x cancer removal surgery and.. totally unrelated cracked 3 teeth which were extracted. trupanion paid very generously. I submitted the estimate from the vet and it made it so easy. My dog was a rescue at 4 months.. she is 12 now. Without pet insurance from Trupanion she may not have made it this far.
5

out of 5

POSTED: | BY: Debbie K

Trupanion Service

Always friendly. Very knowledgeable. Excellent service. Highly recommended Ready and willing to help you

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 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  

Get a quote today

Leave a review