Trupanion Pet Insurance Canada Review

Item: Trupanion Pet Insurance Canada
Rating: 3.7
Author: ConsumersAdvocate

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

Veterinary examination fees
Deductible
10% co-insurance
Federal/ State/ Provincial/ Local taxes
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.

113 Customer Comments & Reviews

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Stephanie C

7/18/2019

I have 5 pets, all insured with Trupanion for years. They raise the premiums every year (significantly) and there is no cap on how much they can raise them. They will quote you a great rate to start but the next year they can raise it as much as they want. Personally mine have gone up $15/month but I have friends whose have gone up more than $50/month. As they did raise the premiums quite high, I used their chat on their website to raise my deductibles and lower the premiums, I clearly stated it was only temporary so I could work the new premiums into my budget. I specifically asked if the new deductibles would only apply to NEW claims, the advisor responded with 'exactly' and then... Read More

stevemc6383

5/29/2019

Beware of this company. They completely rip you off and raise your rates every year without asking. I started paying 56 dollars a month and less than 5 years later they sent my new policy at 106 per month WITH ZERO CLAIMS IN FIVE YEARS!!!. Complete rip off.

John D

5/6/2019

This company is a SCAM. I could not believe it. One of their slogans is "their premium will never go up." When my dog was healthy, my premium never went up... but as soon as I put in a claim, wow, it went up immediately. They said the price went up because of inflation or based on the surrounding. That's BS because my friend has the same type of dog and we bought the insurance at almost the same time. At first, our monthly payment was the same, but later, mine WAS DOUBLE. I can't go to another insurance company because my dog already had a medical condition. Every time I submitted my claim, they made an oOpsie and said it was a "new illness" while it was NOT. I had to... Read More

Scott E

4/10/2019

I would expect this company to be investigated for their practices. I have been a customer for 6 years, and in the 6 years I have been with them I have seen my monthly premiums nearly double in price. This company advertises that premiums will not change based on the age of your dog, but then without fail, every year on the policy renewal I see an increase between 10-25% on my monthly premium. Their justification is that area costs have increased, and that is why the policy has increased, however, in 6 years, I have seen at most 5% inflation on my veterinary bills. I believe pet insurance is important, but this company should be ashamed for its practices.

Jacqueline G

3/19/2019

What a rip off Trupanion pet insurance is! I've been paying pet insurance for my dog for just over 10 years. The cost of insurance has gone up a lot over those 10 years and at the moment it's almost $100 a month, we even had to up the deductible to $250 to help keep the monthly cost down. My dog recently had to have surgery to remove 4 masses and blood work and they will not cover any of it! They've taken each item as a separate claim and applied the deductible to each mass/blood work! We took out pet insurance for peace of mind! It would've been better to put the $100/ in a savings account and use it as and when needed! Over the 10 years we've only made two small claims so even... Read More

Lesa

3/13/2019

I can’t believe that after having to cancel one of my dogs policies because I couldn’t afford it. That when I called back a year later they wanted to charge me more then I was paying in the past and I wanted a $1000 deductible versus the $200 before canceling. Talk about making it impossible to have coverage

Debby r

2/12/2019

So far your reps have been very informative and friendly and sweet the rep (Camille) asked how Penny was doing.

Chris

2/7/2019

Scam! They lie when they say they will never raise your rates due to pet getting older. Its been 1 year and they raised it on me due to where I am located..great excuse!

2/7/2019

HORRIBLE service. When I called to complain about a policy claim, the person on the line was incredibly unempathetic and rude and HUNG UP on me. I was admittedly upset about the situation and their reasons for not covering, but THERE IS NO EXCUSE for this kind of horrendous service.

John G

2/2/2019

Don't believe them when they say they won't raise your rates due use. I used trupanion and saw my rates double as my pet started having health issues as she grew older. They told me my rates were going up due to an increase in vet rates in my area not due to use, this is an excuse. I adjusted my plan several times but what every I did my rates just climbed and climbed.

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