Trupanion Canada | Pet Insurance Review

This was our first claim experience in eight years. Our dog came down suddenly with a life-threatening illness which required immediate and expensive specialized medical care. The emotional strain of having a sick 'family member' was enormous. Worrying about the unknown costs we were potentially facing made the situation much worse. Luckily, we were covered by Trupanion, so we could focus 100% of our energy on our dog's treatment and eventual recovery.

My experience with Trupanion was absolutely terrible. They hold the right to deny any claim made even based off of their own assumptions and no actual proof. I paid for Trupanion for 3 months before my dog started getting and ear infection, so I brought her to the same vet she's gone to since she got her puppy shots. We have been trying to treat what seems to be a never ending battle with this ear infections (now on the third kind of medicine) and now seems as though surgery will be her only option or she will lose her hearing completely due to the infection growing so rapidly, and the infection won't just stop at her ears if it is left untreated. However Trupanion has decided they will not cover this. When I called to find out why they said because my account was so new and because I had called the vet to insure that she had not had an ear infection before (couldn't remember if it was her or my other dog) so I knew the vet appointments would be covered past my 200$ deductible, it seemed strange to them and they were assuming that the condition must be pre existing based off this "evidence". They said that in the vet notes, I had received advice from another vet to get pet insurance. That isn't wrong, I had received that advice from a family friend who did go to veterinary school, but currently works at an animal shelter, several months ago.. which is what led to me actually getting Trupanion. I am a single mom to an 8 month old, money is always tight.. So when I first noticed the infection I had called the same family friend to ask her about my dogs ears and if she could check it out to let me know if I should worry, unfortunately she was too busy to come take a look for me so she recommended I call the vet to insure that she hadn't had any prior ear infections and if not then to take her to an actual vet clinic as it would now be covered by my new insurance.... Turns out all of my time, and money spent on Trupanion was a complete waste! Now I have spent 600$ over the past 3 months on their policy.. I need to come up with 350$ for the appointment I took her to yesterday that I just found out won't be covered... On top of now needing to figure out how I am going to pay for continued vet appointments or surgery if it comes down to it! My advice would be save the money you could be spending on a policy with Trupanion for when an emergency does come up for your pet and you need money to pay for it, as Trupanion seems to just be able to decide based on a whim that they will not cover for your pet when it is needed. Leaves you with even more bills and they could care less about you or your furbaby. I'm so sad about all of this, and the only solution they gave me was to send an appeal application... Great so they can take 2 more months while taking money out of my account to possibly say no again?? In the meantime I'm still trying to figure out how to pay for the appointment's she needs now! I wish I could give them a 0/10 rating.

We have never regretted getting pet insurance for Toby through Trupanion. The monthly fee is way less than his allergy medication would otherwise cost us. The claim process is both quick and easy, with the money being deposited to our bank account within only a few days after filing our claim. Thank you, Trupanion!

We love so much our pets that when something happens to them.. You would do anything for them. The best decision that I have made was to keep Kalhua's insurance. They were there when I needed it!!, to look out for my best friend!! ❤️

Trupanion is the most efficient, uncomplicated and responsive pet insurance policy we’ve ever owned. Submitting claims is very straightforward ( your vet can do it), Trupanion responds immediately upon receipt and often deems the claim approved within days. You are able to choose a level of deductible that works for you and it is applied per condition rather than annually which in our case works to our benefit. Compensation arrives within a very short time after approval. We wouldn’t be without it.