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Trupanion Canada Pet Insurance Review


ConsumersAdvocate.org Rating: 3.7 / 5 (Very good)
113 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 in 1998 as Vet Insurance Corp before opening its doors as Trupanion in the US in 2000. Trupanion continues to be one of the largest, most trusted providers in its home country of Canada. Trupanion provides coverage for over 750,000+ cats and dogs in one simple, easy to understand plan that pays 90% of actual costs with no payout limit. This includes prescribed medications, surgeries, medically-necessary hospitalizations, diagnostic tests, and other treatments.
 
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Trupanion's policies include a wide range of coverage options making the company an excellent choice for pet insurance. You can enroll your pet from birth up to 14 years of age. They are the only company that can pay your veterinarian directly at time of checkout to eliminate the reimbursement model.  Trupanion prides itself on paying out more on the dollar than any other pet insurer on the market. To date, Trupanion has paid out nearly $2 billion in claims.

Plan details

 Type of contract

 Premium charged month to month

 Enrollment age

 Birth date -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

 No annual deductible, a per-condition deductible may   apply.

 Payout limit

 No payout 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 additional coverage (Trupanion has 3 riders you can add on to your core policy)

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

Additional Coverage Riders

Recovery and Complimentary Care Rider

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

Pet Owner Assistance Rider

  • Liability coverage for third party property damage
  • Advertising and reward costs
  • Boarding fees if you become hospitalized
  • Vacation cancellation costs due to an accident
  • Cremation and burial fees caused by an accident

Breeding Rider

  • Injuries related to breeding, whelping and queening

Emergency 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

Trupanion has comprehensive coverage, no payout limits and 24/7/365 (including holidays) customer support all make it an excellent choice for financially protecting pets and pet owners against any sudden illness or accident. Like many of the top pet insurance services, it does not cover pre-existing conditions. The company's 90% reimbursement rate and no payout limit is just about the best deal you are going to find. Trupanion is the only pet insurance company who can pay your veterinarian directly, within seconds, at time of checkout. If your veterinarian does not offer Vet Direct Pay, Trupanion processes the majority of their claims within 2 days, many within minutes. 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.

Terms and conditions apply, please see Trupanion.com for full coverage details.  Trupanion is a registered trademark owned by Trupanion, Inc.  Underwritten in Canada by Omega General Insurance Company. 

 

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113 Customer Comments & Reviews

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sterlingdparsons
11/8/2020
Our service to date has been fine and I have no complaints from that perspective, but a about month after our Bernese’s first birthday, we received a letter stating that our monthly bill will be increased by 15%!! I called Trupanion to share my displeasure. The Trupanion representative was professional and explained that the increased cost was due to the increasing coverage costs. I requested to talk to the manager and was refused, and was notified that there was no one in management that I could speak with??!! Seems like they get you for the first year (the critical time to get pet insurance) and then start increasing your monthly costs after that first year…it’s misleading and dishonest.

Deirdre A
10/26/2020
they will find any reason to deny your claim. this is their true service. don't waste your time. they are in the business of making and keeping money and don't care about your pet. don't be fooled

Betty C
9/24/2020
Trupanion is the best insurance long term. No increase because of claims. No yearly limit on same claims.

M
Mary
8/9/2020
Don't bother getting pet insurance. I was with Trupanion for 7 years and only was able to use the insurance once. Every year monthly costs went up, we started at 30$ a month and were at 75$ a month by the time we canceled. We were basically being penalized for being good dog owners and having a healthy dog. Over the 7 years, we were with Trupanion, we have paid at least 5000$ for insurance that we were never able to use because our vet costs are quite low in our area and fees never met the deductible( $250 - 500$ deductible over the years). The only time we could use Trupaion the bill was only 400$. So we basically flushed 4500$ down the drain. It is much smarter to put away the... Read More

Nicole S
7/29/2020
I lost my job because of covid and my one biggest frustration I have faced with Trupanion is not being reminded on the phone that increasing my deductible to be able to make payments every month to keep my insurance is a permanent change. My deductibles were lower and it went up to $1000 for all four of my cats. Those that took advantage of the policies ruined it for the rest of us, and it sucks. Wish that Trupanion looked at each case separately instead of dropping us all in the same boat. If you go with Trupanion, remember that if you change your deductible to higher to make lower payments every month after you enrolled at a lower deductible with higher monthly payments, you'll never... Read More

macaluso.connie
5/19/2020
If your puppy even so much at farts at the vet during a visit within the 30 day waiting period (or at a prior visit before signing up with Trupanion) they will not cover anything BM related, gastrointestinal related, if you dog so much as has an itch they will not cover anything allergies or skin related. Save the money you would pay them monthly and put that aside to pay vet bills. Please read the reviews below. They have a poor rating for a reason. I am not looking forward to the cancelling process which seems to get terrible reviews as well.

ashleynagel13
5/15/2020
UPDATE: May 5/2020 Happy to say that our claim was approved. It was a very long and frustrating process, especially for a first claim, so I've given more stars but not full as of yet. The manager that I spoke with was lovely. It would have been great to have this option sooner. They are now going to provide a summary of what might not be covered in the future, this may be a beneficial option for anyone signing up with an existing pet. I hope it will save us some frustration in the future. Time will tell how future claims will go (although here's hoping we won't have any!) ORIGINAL: Join Trupanion if you want to pay monthly to fight for coverage that you won't get!... Read More

hpetro
5/12/2020
I had been with Trupanion for 8 month. No issues, no complains. They start charging me since I sign up, no big question asked. They told us that if anything happens they will cover us. Due to a virus or something, my two dog got sick, took them to the emergency, fill the complain with Trupanion and the nightmare started. From the begging they show of how they are not willing to pay. One of my dog was denied since he already have diarrhea once. Seems that getting sick is a preexisting condition. For my other dog they start asking for their previous vet record. I wonder how they didn't ask them on the enrollment process. This clearly show how they are happy to get your money but they... Read More

Y
y w
1/10/2020
This is an appalling company that will do their best to find any excuse to reject your claims - even if the excuse is a tenuous one found on the pet's medical records. My dog's medical records in the UK (so all her former insurance is void) was used as a reason for rejecting a claim for a different medical condition although there was tenuous connection - but it became an excuse. Appeals are the customer's burden - the company does not respond by asking for more information even though they claim they do not have enough information. And if they don't have enough information, why don't they ask us rather than reject outright? Trupanion claim they have an expert reviewing panel - name them -... Read More

N
Nazanin
1/10/2020
This is the worst company I have ever encountered. I thought for a cause like animals they would at least be true to what they are branding which is to help owners and their pets but it is the complete opposite. I took on Trupanion a year ago because I had heard it was a good company to trust with any medical issues. 2 months ago we switched our stairs from carpet to hardwood and my dog unfortunately fell down the stairs and tore a ligament in his right leg and also needed joint repair because of this accident. My dog could not walk, he was laying down unable to move. We took him to the vet and that’s when our vet told us he needed immediate surgery. The vet put in his records that this... Read More

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