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Trupanion Pet Insurance Canada 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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chaput
7/14/2023
Been with Trupanion almost a year now since I picked up my 8 week old Lab puppy last August. I have had no claims. They told me Penny can’t have ear infections covered because she had a red ear as a small puppy. Now they are raising my rates by $25 per month. I was paying $100/month and now it’s going up to $125 + tax. Time to find something else or opt out altogether. A complete rip off. Steer clear unless you want to be taken for a ride. If I could give less than one star I surely would!

P
Pat
10/13/2022
My first vet had claimed for DIARRHEA AND GASTROINTESTINAL problems for my dog and we paid the entire deductible in 2020 before Trupanian would pay anything. Nothing wrong with that. That was part of the deal. However when we changed vets our second vet claimed for GASTROINTESTINAL AND DIARRHEA problems (note the change in order of maladies) for the same dog-same issues in 2022 and Trupanion said we had to pay the entire deductible again as these were two different problems. Are you kidding me. How dishonest is that! My dog had the same issues over those two periods of time and was given the same medications and care over those two different periods. Trupanion has refused to see that... Read More

C
Christine
6/2/2022
Although they premiums don't increase due to number o f claims made I find this very hard to believe. My premiums have gone up at a minimum of $10 a month every year that I have had the insurance. My dog has had many problems and so many claims. Their claim that this isn't a factor is basically bull or else I would see it stay the same once in a while. The insurance itself is great and because of my dogs problems I won't cancel as his monthly expenses out weighs the premium right now.

tawnyostrander
5/11/2022
Would give 0 stars if allowed. The company rips off owners of short nosed breeds. Before signing up for Trupanion I was advised that they cover breathing issues. Months later when my dog had an issue, they looked for anything and everything to say it was pre-existing. My vet even sent a letter saying it was not pre-existing and they still decline my claim. Rip off.

garioch7
3/20/2022
I insured my first Sheltie when I first got her, with Trupanion and had occasion several times to make claims. The service was fast and professional. I got a new Sheltie last April after my first one died at 10 years old and insured her also with Trupanion because I was so pleased with the claims process and the reasonable premiums. In my case, my premiums have actually declined at times with both of my Shelties. Premiums vary by geographic location and breed, as I understand it. This year my premium is only $35.12 per month. I highly recommend Trupanion, based on 12 years of dealing with the company.

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peterbauer
2/14/2022
we had 30 days free coverage thru the breeder with Trupanion. Our puppy had diarea after a five hour car ride and arriving to new surrounding. It was a gastronal problem that happened from leaving the breeder to arriving at our home!!!!)-Trupanian did not cover. They said it was pre existing condition. I would never use this company.

4
4PawedRescues
2/13/2022
Whenever I need extra medical care for my "crew", and the vets ask which insurance I have, they say "oh good" when they hear Trupanion. The majority of costs are included, including dental extractions, reimbursement is easy (automatic submission through vet) so I don't have to put out too much $ up front (and even when I forget to do automatic, it's less than 48 hour turn around, even on weekends!), it's been pretty clear what is covered, the majority of specialty care (excluding consult fees and HST) is. Yes costs went up, but I know my vet fees went up over 20%, and the premium increase was not that high. Regardless, when you need them, it is such a relief to not have to worry... Read More

4
4PawedRescues
2/13/2022
Whenever I need extra medical care for my "crew", and the vets ask which insurance I have, they say "oh good" when they hear Trupanion. The majority of costs are included, including dental extractions, reimbursement is easy (automatic submission through vet) so I don't have to put out too much $ up front (and even when I forget to do automatic, it's less than 48 hour turn around, even on weekends!), it's been pretty clear what is covered, the majority of specialty care (excluding consult fees and HST) is. Yes costs went up, but I know my vet fees went up over 20%, and the premium increase was not that high. Regardless, when you need them, it is such a relief to not have to worry... Read More

ottawavalleywestie
6/8/2021
Been with Trupanion 3 years.. last year saw quite the increase... just received an email with another 20% increase. Is this the norm? It had gone from $143.19 to $171.45. They stated this: your area has increased thus they are raising the annual rate by 20%. I am quite connected to the animal community here.. we have numerous vet clinic and recently an Emergency Hospital open. Rates have not increased much if any over the last year here. Finding this worrisome as when I enrolled I was assured rates would not increase a whole lot each year.

Sandy H
11/21/2020
I had been a long term customer of TRUPANION with 5 pets insured at one time. They denied a chiropractic claim indicating it was pre existing because I had my dog in for an adjustment before his policy was in place. This wasn’t an injury, just an adjustment for movement. They overturned the appeal and covered it. Now two years later, they approved one session and denied the next. They gave no consistency as to what they will cover on the chiropractic and acupuncture policies and it seems over the last few years, they won’t cover anything. Anyway, I am so disappointed in the changes that have taken place over the last year. Rates climbing and services denied. I have cancelled all policies.... Read More

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