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.
3

out of 5

POSTED: | BY: Lynn

Real Coverage Less than Advertised

First time claim for one of my cats was a big surprise in terms of what I expected in coverage and what I received. By the time Trupanion had deducted costs that did not apply, including the anticipated deductible, examination and food costs, I was paid $258 dollars on a $740 claim, about $100 less than my estimate. The response time was much faster than the small claim for another cat. However, this has me questioning the coverage I would receive for a claim in thousands of dollars.
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1

out of 5

POSTED: | BY: Peter Clements

Huge price increases

Seemed ok at the time I took out the insurance. Now suddenly a 50% price increase! No justification for this. They get you in and then hit you with increases. Disappointed and angry
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5

out of 5

VETERINARIAN: BVH Bonita Vet Hospital

POSTED: | BY: Judith james

Ms.

Met Life is the best pet insurance I have ever had. They communicate with you letting you know the status of your claim. Very good customer service and easy to process claims. So happy I found Met Life Pet Insurance.
5

out of 5

VETERINARIAN: Baccalieu Trail Animal Hospital

POSTED: | BY: Sherry Tucker

Reliable Claims Service

In recent months my dog has had a flare up in a previous issue identified while insured. Trupanion covered the issue once again without hassle or delay. I don't understand why anyone complains about this Insurance coverage. I have had it for about 8 years now on both of my animals, and one who passed away last year, and have honestly never had an issue. I highly recommend those with pets to get Trupanion insurance.
1

out of 5

POSTED: | BY: Mike Hunt

Worst Company Ever

When our dog was young, all was OK. Now she's older, they won't pay for anything, and the rates are up 50%. They used to be really good company, but the last few years have become complete garbage. Save the 160 a month and pay the bills yourself. Will save you half.

POSTED: | BY: elma majstorovic

I give them 0 starts Been with them for years and the one time we put in a claim we are denied i should of put away that money and would of had a few grand for vet bills

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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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