Trupanion Canada | Pet Insurance Review

We have such peace of mind knowing we can take our pup to the vet for anything. You never know what life can throw at you, and we are grateful for the financial support that helped us keep our pup healthy during a rather eventful youth. Our dog needed emergency surgery for a foreign object in her nose and though we had to go through an appeal process and call a few times to new the ball rolling, it all worked out in the end and the surgery and meds were largely covered.

Trupanion is professional, transparent and trustworthy! This is the only pet insurance that I will trust for my pets going forward. They stand up and demonstrate their policies exactly as they are described online. The only word of caution would be if when signing up for Trupanion for which you will be very glad you did, ensure you select the aftercare rider. Being new and unfamiliar to Trupanion at the time, I didn’t clearly read the policy regarding the rider option - this was MY FAULT, and had no idea how important it would be to tick that rider box until my pet 15 month old CapeShore required bilateral TPLO surgery. It was not a showstopper, we paid for the rehabilitative appointments she needed to get her back on her paws but had I ticked that box all of that would have been covered at 90%. Once you sign up for coverage I believe you have only 1 month after signing your pet up to ‘add’ coverage for this rider to your policy. You can however, remove the rider at any time after that, but once removed you can not add it back again. I take full accountability for the above rider option decision not Trupanion, they do clearly state this under their policies, etc. that this would be the case. I should have discussed with Trupanion directly to ensure I clearly understood. I will say they were saviours with my pets surgery costs which were upwards of $20,000 - Trupanion paid up upwards of $16,000 and we paid the agreed $700.00 deductible which I chose to keep our payments down. Once she has been covered for this condition she is covered for life. For this condition, we will never have to pay that deductible again for anything related to this condition. Finally, Trupanion, in my experience is the only pet insurance company that can be direct billed by a veterinarian clinic. So with this pet insurance, you never have to pay for example upfront for the costs that are approved by Trupanion at 90% as the vet clinic submits an estimate and receive the Trupanion portion so you never have to worry about the 90% portion which to me is a Godsend!

Easy, helpful staff

I have been very impressed with all Trupanions coverage's, customer service and pricing. I have always had a really positive experience anytime I have needed to inquire about anything and their claims are handled in a timely professional manner.

Excellent, pleasant and clear responses explanations and reimbursements as appropriate.