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Trupanion Canada Pet Insurance Review


Rating: 9.2 / 10 (Excellent)
38 Customer Comments & Reviews - see all comments
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Although Trupanion offers pet insurance coverage for all North America, the company was originally founded in Vancouver and continues to be one of the largest providers in its home country of Canada. Trupanion provides coverage for both cats and dogs in one simple, easy to understand plan that pays 90% of actual costs with no payout limit. This includes medication, surgeries, hospitalization, diagnostic tests, and other treatments. You can enroll your pet as young as 8 weeks, and up to 14 years old. Trupanion's policies include a wide range of coverage options making the company an excellent choice for pet insurance.

Plan details

Type of contract

Premium charged month to month

Enrollment age

8 weeks-14 years

Waiting period

5 days for injuries. 
30 days for illnesses.

Injuries that occur within the first 5 days on enrollment, and illnesses that develop within the first 30 are not covered.

Out of country coverage

USA, Puerto Rico

Claims and policy price

No increase in premiums due to claims made

Age limit

14 years old

Annual deductible

Customizable. $0 to $1,000 for each pet. 

Claim limit

No claim limits

 

Cancellation policy

Policies can be cancelled by sending notification in writing via mail, fax or email. Policies cancelled within the first 30 days without any claim submissions will receive 100% of their money back.

How much is it going to cost you?

A variety of factors can influence your monthly premium cost:

  • Average of treating illnesses and injuries for similar pets in your area
  • Pet’s breed, age, gender
  • Geographical location
  • Deductible (higher deductible – lower premium and vice versa)
  • Optional coverage (if any)

 

What you pay

  1. Veterinary examination fees
  2. Deductible
  3. 10% co-insurance
  4. Federal/ State/ Provincial/ Local taxes
  5. Costs not covered by the policy

 

What does it cover?

Accident and illness coverage

Hospitalization
Surgery
Diagnosis
Prescriptions and medications

Optional benefits

Recovery and complimentary care coverage

  • Rehabilitative therapy
  • Acupuncture
  • Hydrotherapy
  • Chiropractic
  • Behavioral modification therapy
  • Homeopathy
  • Naturopathy

Pet owner assistance package

  • Liability coverage for third party property damage
  • Advertising and reward
  • Boarding fees if you become hospitalized
  • Vacation cancellation costs
  • Cremation and burial fees

Breeding rider

  • Injuries related to breeding, whelping and queening

Dental coverage

Therapeutic diets, herbal therapy and supplements

 

What’s not covered?

  • Pre-existing conditions
  • Preventive care treatments (vaccinations, flea control, de-worming)
  • Exam fees
  • Sales tax

 

Summary

A no benefit limit makes Trupanion an excellent choice for financially protecting pet owners against any sudden illness or accident. But just like many of the top pet insurance services, it does not cover pre-existing conditions. The company's 90% no-limit coverage is just about the best deal you are going to find. There seems little going against Trupanion in terms of the overall quality of the services they provide. If you are looking for pet insurance in Canada, Trupanion is a must-look-at option.

 


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38 Customer Comments & Reviews

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L
Lisa
Calgary, Alberta
10/30/2017
I wholeheartedly agree with Miriam! My premium for a 2 year old dog just went up from $56/month to $74/month. When I called to discuss they advised it was because of the area I live in plus 'other factors they take into account'. My vet's services remain the same, so this looks like a money grab. Best they could do to keep my premium the same was double my deductible from $250 to $500. I've been researching other insurers and am cancelling with this group.


M
Miriam
Calgary, Alberta
10/5/2017
Do NOT go with Trupanion. There premiums go up A LOT every year! When I first signed up they said my premium wouldn't change based on my pet's age but they find other reasons. At first, it was because of Vet fees going up, which makes sense. However, when I saw how much (A LOT) my premium went up this year, I knew I needed to call and get more information. The staff told me it was because of the area I lived in, even though I hadn't moved. If I would of known, I would of never gone with them. Please do more research on other insurance companies.


M
Mila
Montreal, Quebec
9/5/2017
Disgusting quality of services. The Company doesn't want to pay for the real claims. We're trying to get our money back for several month. We already received our claim twice with refinement from the vet, but they sent us ridiculous answers with refusal. I believe, the purpose of Trupanion is "pumping out" your money.


Teresa K
8/21/2017
Buyer beware! My rate increases have been 10 to 15% yearly. Started at $55 per month and now at $129!! My dog is now 10 years old and I feel held hostage....too old to switch carriers and now is when she will be needing more health care. I would not choose them again!


Ani L
Edmonton, Alberta
8/15/2017
Astronomical premium increases for absolutely no reason but the provinces taxes..? That was the explanation I received. My premium went up from $101 to $124 that's a 23% increase. Looking for other options this is a robbery.


E
echan99@hotmail.com
Calgary, Alberta
6/25/2017
This is the shock when I received this year premium update this month. Since I enrolled the pet insurance been 10 years, the insurance increases every year non stop. Last year my premium is $87.38 but from August my premium will be 125.64. Close to 50% increase and it is unacceptable. If you want to buy pet insurance from Trupanion be aware this big jump.


D
Dana
Edmonton, Alberta
6/24/2017
I can attest that claim processing is very quick, but the annual premium increases are crazy! I have 2 cats and they are pretty healthy but Trupanion just advised me tgat they have increased the cost for my 17 year old senior cat by $60.00 per month, so that will bring my total for both cats to $215/mth. I figured out I've probably paid about $10K since enrolling them and have been reimbursed about $1,500 in all that time. I now have to choose whether to cancel insurance for one or both, raise my deductible, or just start putting money into a separate account monthly to pay for vet bills. Here I was trying to be a responsible pet owner and I feel like I'm being totally gauged. If i... Read More


A
apcarr71@shaw.ca
Kamloops, British Columbia
6/22/2017
Claims process is efficient BUT I keep having to raise my deductible to lower the yearly premium increases per month, so I never get anything back for claims after deducting office costs etc...My premium was $40 7 and 1/2 years ago and I just received another letter (surprise, surprise...was waiting for it) that my premiums are increasing $10 a month. Every year my premiums have gone up and up until this year it was always "increases in veterinary costs in your area..." BS excuse! This year they've become more creative and made a list as to why your costs go up....age, how long you've been insured, vet costs, a mathematical equation determining costs that haven't occurred....BS!!! Just... Read More


V
Vitalwerk@gmail.com
5/16/2017
Started 4 years ago with a dog 1 year old...signed contract for not more than a 20% increase a year...which they did every year..until year 4 in ..they increase the monthly rate by 44.3 %...apparently the contract canged in 2016 and they took the 20%t and are now increase the rates to what they want..now it is .44.3%...more than last year...for a 5 year old dog ..185.59$...she is healthy. .but needs a hormone replacement for $20..a month...bad bad health plan.. go shopping early for a plan where they don't change it to their liking....bad , bad company...


Erin C
Toronto, Ontario
5/3/2017
The last three years they have not only taken away stuff for my coverage but increased the premium over $20 EACH year. Omega General Insurance Company is awful



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  • Per-condition deductible (good for chronic conditions)
  • Fast payouts and no penalties for filing claims