Trupanion Canada | Pet Insurance Review

very good

Join Trupanion if you want to pay monthly to fight for coverage that you won't get! Started a policy with Trupanion after our dog ingested a full dog treat and needed surgery. That surgery cost $5000+ during the height of the COVID-19 breakout. Which meant things got really tight. A month later (after he healed) we had one nice day outside finally. The dogs were out with us as they usually are and he ate a piece of mulch while outside. The mulch ended up sideways in his intestine and needed removal. So he goes in for the same surgery twice in a month period - another $5000+, but good news we thought, we have Trupanion! Trupanion found EVERY reason to decline the claim. Picked out insignificant events from our vets notes and twisted them so that they wouldn't have to cover the claim. Our vet even sent in an appeal for us to clarify the notes and they still listed those as reasons to deny the final claim. We also checked with them BEFORE we signed up for the policy to see if something like this would be covered in the future considering he just went through the surgery. If they said no or probably not up front, we probably would have still had the policy, tried for coverage and then wouldn't have been mad when it wasn't covered. But they said if it has only happened once before (as it has), they would cover. SO policy cancelled, and money wasted on a month of coverage that provided nothing. Get Trupanion if you can get all of your surgeries pre-approved, which is what they told me I should have done over the phone. Hopefully your dog doesn't die while their making that decision, but of course that would be easier for them wouldn't it.

Another easy, quick and thorough response to our claim. It’s comforting to know we can always count on our pet insurance, especially in these unsettling times.

UPDATE: May 5/2020 Happy to say that our claim was approved. It was a very long and frustrating process, especially for a first claim, so I've given more stars but not full as of yet. The manager that I spoke with was lovely. It would have been great to have this option sooner. They are now going to provide a summary of what might not be covered in the future, this may be a beneficial option for anyone signing up with an existing pet. I hope it will save us some frustration in the future. Time will tell how future claims will go (although here's hoping we won't have any!) ORIGINAL: Started a policy with Trupanion after our dog ingested a full dog treat and needed surgery. That surgery cost $5000+ during the height of the COVID-19 breakout. Which meant things got really tight. A month later (after he healed) we had one nice day outside finally. The dogs were out with us as they usually are and he ate a piece of mulch while outside. The mulch ended up sideways in his intestine and needed removal. So he goes in for the same surgery twice in a month period - another $5000+, but good news we thought, we have Trupanion! Trupanion found EVERY reason to decline the claim. Picked out insignificant events from our vets notes and twisted them so that they wouldn't have to cover the claim. Our vet even sent in an appeal for us to clarify the notes and they still listed those as reasons to deny the final claim. We also checked with them BEFORE we signed up for the policy to see if something like this would be covered in the future considering he just went through the surgery. If they said no or probably not up front, we probably would have still had the policy, tried for coverage and then wouldn't have been mad when it wasn't covered. But they said if it has only happened once before (as it has), they would cover. SO policy cancelled, and money wasted on a month of coverage that provided nothing. Get Trupanion if you can get all of your surgeries pre-approved, which is what they told me I should have done over the phone. Hopefully your dog doesn't die while their making that decision, but of course that would be easier for them wouldn't it.

A very helpful phone representative