Trupanion Canada | Pet Insurance Review

Warning: Do not use Trupanion as a pet insurance company. They are pathetic. Their phone representatives are friendly, but their policies ridiculous. Nearly four years ago, my five cats and I moved from Japan to Vancouver, Canada. I enrolled the younger three with Pet Secure, and the older two with Trupanion (10 yrs old at time of enrollment) because Trupanion offered 90% coverage, and I felt that the older two would be more likely to need it. Not so. Surprisingly, I've had to file numerous large (and successful)claims for my younger cats with Pet Secure, but until recently, my two older have never needed to file a claim. After thousands of dollars of premiums and multiple phone calls and emails to Trupanion over the course of several weeks to work out the claim, my cat Emily's claim was completely denied. The reason? The vet suspected she needed to have a tooth extracted (dental is supposed to be covered), but during the surgery, it was discovered that extraction was not needed and the tooth could be fixed. So Emily kept her tooth and the claim was denied. Trupanion said it was because cleaning isn't covered, but the whole reason for Emily's care was not 'cleaning' but fixing a tooth that had previously appeared to need extraction. With the deductible, the most we could have hoped to get back was a couple hundred dollars anyways, and they made me trouble my poor Japanese vet with sending records from years ago(They make you struggle so much before they will even look at your claim. Why would you not ask for medical information at the time of enrollment rather than 4 years post-registration? After thousands of dollars of premiums and multiple phone calls and emails over the course of several weeks to work out the claim, my cat Emily's claim was completely denied. The most we could have got back was a couple hundred dollars anyways, and they made me trouble my poor Japanese vet with sending records from years ago. They tell me they don't ask for medical records at the time of enrollment to make it 'easier' for the pet parent. Yet, I spent HOURS tracking down records spanning the globe and going back nearly five years because that's what Trupanion requested. How is that easier? It worked out well for Trupanion, though. What they mean is it is "easier" for Trupanion to get people signed up and pay outrageous premiums quickly. Because you didn't ask for records up front, you got 3.5 years of premiums from me for two cats and I never suspected that I was j

I have been with Trupanion since our little guy was a puppy. We have an amazing Vet...Dr. O'Reilly. My only complaint with the insurance company is the rising cost of insurance....although....our little guy has had major surgery at a year old and the cost has more than paid for itself within the 8 years that I have had it. Other than that Trupanion is quick at handling claims in a timely manner.

I submitted a 2nd claim for my cat for his stomach problems and Trupanion had accepted and approved my claim within one business day. Great company compared to other insurance companies I have dealt with in the past with other pets.

They pay claims but the premiums have gone up significantly because my pup has a chronic condition.

Pet insurance has come a long way! Years ago, I tried it and discontinued it, as it didn't seem to cover anything. My vet recommended Trupanion, and I decided to enroll my golden retriever puppy. He developed a chronic problem with his ears, shaking his head, etc., which led to multiple doctor visits and various meds. They even had to put him under anesthesia and take some xrays. After I met my deductible, Trupanion has paid all claims as they said they would, and I couldn't be happier with their service. My vet is electronically linked to them, so claims are filed and responded to before I even pay my bill. So I don't have to wait to be reimbursed. I think Trupanion is wonderful, and I recommend them without reservation!