Trupanion Canada | Pet Insurance Review

Seriously don’t use pet insurance unless you open the policy on the literal day they are born. I took my sick cat in and initially they said they’d cover 90% of the $4,000 bill I was facing and then they slapped the old “pre-existing” condition on it. So fuck me right. 0% coverage and now i have to pay 4000 dollars for my cat. Thanks for nothing, Trupanion. Screw you

My poor kitten has had the worst luck with her teeth, and ended up needing all of them pulled before hitting a year old. Trupanion has been great, every step of the way. I'm shocked at how easy the coverage was, given how dental issues have a reputation for dicy coverage at best with some insurance providers. Direct billing was a major plus, and I'm glad I didn't have to deal with the hassle of getting reimbursed later. Customer service was likewise excellent, and were patient and great at explaining things when I had questions. Having coverage took so much sting out of the bill, and made it easy to make the right decisions for my cat's health and happiness. I recommend Trupanion to any new pet owner - the rates are affordable, and when bad luck hits, they're an excellent company to have in your corner.

Trupanion lost my first set of claim forms (2/18/19). Their site was broken so I couldn't get information on its status, and when I called in (3/19/19) they had me resend my forms. On 3/31 I find out a claim for Dog A was mistakenly listed for Dog B, so of course it was rejected! As of 4/6 status on my five invoices is: * pending * pending * pending * mishandled and therefore rejected Trupanion has been been absolutely awful. Any progress at all apparently needs constant prodding from their customers. Their reps are easy to get on the phone but getting a cogent response is like pulling teeth, and DO NOT BOTHER EMAILING. They don't appear to respond to emails at all. I'll update this review if there's some decent work done but outlook is NOT good. My dog is fine, but Trupanion needs some serious work!

Friendly staff, no issues at all with my claim! Went through in under a week. Very eased

We have had Trupanion for 8 years for our dog and 6 years for our cat. Our premiums are $113/month and have gone up steadily every year (not unlike my own personal health care insurance). At the end of January, our cat became severely ill; losing weight, little appetite, lethargic, liver enzymes off the charts. Our local vet diagnosed it as acute pancreatitis, but once treatment was not proving helpful they referred us to a specialty vet. Sydney spent 5 days in critical care undergoing numerous lab tests, ultrasounds, a blood transfusion (very low RBC), a bone marrow biopsy, and came home on an e-tube for nutrition. He continued to lose weight with the e-tube, however. His e-tube became infected after about 5-6 weeks and it was removed since he was starting to eat on his own. He came home with us after that procedure & seemed more like his normal self, although he was still losing weight even though he was eating. Finally, on 3/30/19, his little body just couldn't take it any longer. I came home from work and he was limp, barely breathing and unresponsive. We rushed him back to the vet who made the recommendation that we euthanize. His BP was 47, his weight was down to 2.1 kg, he was dehydrated, and his RBC was very low. We made the difficult decision, but the only humane one for him (he was only 6 years old). Trupanion was there with us from the beginning. No, they don't pay exam fees (even emergency or hospital exam fees), but once we met our $100 deductible, they paid 90% of all his outstanding bills, including special food for his tube. All the vet bills totaled close to $20K and we never could have done it without the insurance. Sydney's share of the $113/month premium is $37. Even if we had stuck $100/month away for vet bills for the past six years, we would not have even come close to being able to afford his care. So I get people's frustrations with the premiums and disputes over pre-existing conditions, etc., but when something catastrophic happens, it pays to have insurance. You hope you never need it (kind of like ourselves), but you're thankful to have it when you need it. Trupanion has been very kind since Sydney's passing. They already refunded his portion of his premium for April and we have received several emails from them expressing their sympathy. I'll recommend them everytime!