Trupanion Canada | Pet Insurance Review

I decided to get pet insurance for out new pup as he was a rescue and we were unsure of his past and any past health issues. I was glad we did for peace of mind but it turned out we needed it when our dog was having chronic diahrreah for just over a month. We were seeing the vet at least once a week if not more to run different tests and what not. The vet was finally able to diagnose our pup with Endocrine Pancreatic Insufficiency, which pretty much means our dog wasn't absorbing any of the food we fed him and he was losing a lot of weight. His diagnoses means a lifelong enzyme suppliment that he needs to take daily. Because we decided to get insurance they have helped with the costs of all the associated testing in order to get a diagnoses as well as cover his medications and even some of his specialty foods that were needed in the first few months of treatments. Not all diseases can be expected within a breed and our case runs very true for us. Our pup is a large breed mix which is most likely a wolfhound/Airedale mix but his disease is typically only seen in German shepards. But who knows, he's a rescue and we can't be certain of his mix. Great investment

It took a while to get the vet to get all the information to the insurance company, but once they did, claim was handled promptly.

I have had to submit two claims with Trupanion so far. Each claim was processed in a timely fashion and the staff at Trupanion were so helpful, kind and considerate. I would recommend them 110%!

I had my dog examined 7 days after my policy took effect because he had been coughing for a few days and it was only getting worse. To be exact, the coughing had been noticeable 2-3 days after the policy started, I watched it for a few days, then had a doctor look at him. He was diagnosed with Blastomycosis after diagnostic tests were performed. Trupanion initially denied my claim. They stated a policy exclusion that my dogs 'signs or symptoms could have been observable or reasonably noticed my myself or my vet' before I actually had him examined or noted his signs of being sick. I am a vet tech and work at a hospital, so I was able to have my dog looked at as soon as anything was noticeably wrong with him, so Trupanion's reasoning behind denying my claim was extremely stressful and frustrating. I had my dog looked at when I noticed something wrong, not like I waited for my insurance to start before I got care for him. I appealed the claim, at which point Trupanion asked for more detailed records and a note from the doctor. It annoyed me that they asked for more information after already denying the claim and me appealing it. They denied covering his illness again, but had a staff veterinarian call me to discuss my dogs case. It didn't take long talking to the veterinarian to decide that they should cover my dogs illness and the appeal would be overturned. She was very nice and tried to explain why my claim was denied so quickly. Basically because my dogs illness was so close to when my policy started, from an insurance perspective, I could have been waiting for it to start before getting care for my dog. Also, they try to close claims as quickly as possible. While I understood what she told me, it still frustrated me that they simply denied my claim before knowing all the information that was necessary to make the right decision. In the end, it all worked out, but I had to be proactive and deal with the stress of settling the claims for my dogs illness.

The claim was processed quickly and easily. They even did much of the legwork on their own to finish the paperwork. I had four separate events on the same claim, using three different vets. They reimbursed exactly as described in the policy and the premium has been well worth the money.