Trupanion Canada | Pet Insurance Review

I bought this insurance for my three cats (two were still young and one a kitten). After my vet has submitted claim forms with all information clearly stated...we still are waiting for claim reimbursements. All I've received from Trupanion is a $70 (that's right...SEVENTY DOLLARS

Answer: NONE! Not having to wait for reimbursement is major progress in the world of pet insurance. My Shep mix recently had surgery to remove an anal sac tumor. Estimate was $4700. Instead of having to come up with the money or charge it, Trupanion was able to pay the hospital directly and I only had to pay my 10% (deductible was already met). Just think about that for a minute .... that's major! I picked my boy up 2 days later after surgery and because the hospital took a deposit larger than my portion due to Trupanion, I actually ended up with a credit on my account. How awesome is that!? Trupanion's claims experience alone is worth every dime. The fact that their coverage is so comprehensive makes it the best of the bunch for sure!

I have three dogs insured with Trupanion and I have always had the best service They are easy to talk to, very responsive to calls and messages. I have a dog who has been diagnosed with Addisons disease and has had a hip replacement. My chihuahua ate a peach pit and and had to have a foreign body surgery. My third dog has been lucky so far but I know that Trupanion will be there if anything comes up. Amazing company, no other compares!.

I've been with Trupanion for 9 years (was called Vet Insurance before.) I've attained coverage for my dog ever since I adopted her, when she was only 3 months old. Been paying premiums her entire lifetime so far. Suddenly, her thorax (chest) and neck have been swelling up, not wanting to take long walks, panting more often during the short walks. Took her to the vet, and sure enough, she has a benign tumour in both these areas. Panicking, crying, and worried, I had absolutely no clue how to even start the whole insurance thing. I called them and said all this too. They were extremely supportive, giving me easy instructions on what to do next. They emailed me to give me the same instructions on the phone, to put in writing, as my mind was frantically worried over my dog. Out of the total cost of $1055.15, we received $755.91 back from Trupanion. As my dog needed surgery for tumor removal, this was %90 covered. It is very clear in the policy that anesthesia, preanesthetic bloodwork, or fluids are not covered. At the same time, dental care needed to be done, and this too, is a policy exclusion (i.e. there's no coverage for dental care and prevention/prophylaxis.) Just as we humans don't have coverage for preventive care (e.g. multi-vitamins, echinacea, Boost/Ensure, etc.), I totally get it with the policy exclusion on preventive/prophylactic care. My claim took 2-3 weeks. So I'm very content. Way faster that any Canadian waiting for their Medical-EI benefits. For those who mention that it takes an excruciating long time to have their claim approved, I advise to speak to your vet/clinic. Sometimes, the vet is extremely busy that they haven't sent all the reports that Trupanion is asking for, that you might need to verify with your vet/clinic that every single form has been submitted from their behalf. I've asked Trupanion what exact papers (word-for-word) is needed from my Vet, and even though Trupanion calls and emails my vet, I still go see my Vet in person, to ensure that me *and* the clinic are doing our part in submitting every piece of paper that Trupanion is asking for. In short, verify and clarify with your vet/clinic that they've sent *everything* that Trupanion is requesting. By the way, when I called Trupanion upon receiving the diagnosis for the first time, I was still at the clinic. Trupanion was requesting an estimate from my clinic. I sent it through my smart phone while I was still in the clinic. Unfortunately, the estimate was handw

I have a dog covered under a different insurance company. The policy covers eighty percent of the medical costs. When I signed up with them they were upfront about not covering my dog's knees for the first six months. This eliminated any preexisting clauses for this condition. Now to Trupanion...A friend recommended them based on a positive experience. They cover ninety percent of costs so I thought I'd use them for my other dog. Signed up, asked them when my policy would be in full force, was quoted a date, scanned the policy figuring they would be like the policy on the other dog...wrong! The dog took a wrong turn in the mud and came up lame. The vet did radiographs and said the ACL had a tear. So I sent in the claim and got rejected. After several lectures from the Trupanion staff I canceled the policy. It seems that in their "not covered" areas are those tricky pre-existing conditions. Unfortunately for the pet owner most times the only way you know you have a pre-existing condition is to have your pet checked, which with this company would include: illnesses or injuries that occurred or began within the 18 months prior to the policy enrollment (even if they are not in your pet's medical records), luxating patella, cranial cruciate ligament tear, glaucoma, entropion, ectropion, elbow dysplasia, cataracts, cherry eye, hip dysplasia. So, in other words, you better know the insides of your dog because this company has a bunch of legal loopholes to jump through so they won't have to cover you.