Trupanion Canada | Pet Insurance Review

After years of not having insurance and spending thousands at the vets, my vet signed up Jones before something happened. And it did IBD that with the meds caused diabetes. These are on going and the claim process has always been easy. Deductile was paid during the initial diagnosis process and the have paid 90% of all qualified expenses since. Including $1900 of a $2400 3 day emergency vet visit when he had a major IBD flare and couldn't breathe! It makes care decisions easier and you can do more for your pet. I signed up my other 2 kitties after all this. Even with the added premiums...what I get paid back by trupanion outweighs what I have paid in premiums overall...on total.

Not all insurance companies are created equal, and Trupanion stands out amongst the crowd in putting pets first. We're somewhere in excess of $20,000 in claims for my cat that was diagnosed with spinal lymphoma 2 years ago. CT Scan, Spinal Tap, Hospitalization, tests - tests - and more tests. Specialist, Veterinarians, 2nd opinions ... it all saved her life and I'm not certain this would have been an affordable option without pet insurance with Trupanion. 2 years later, her care is ongoing, and she has weekly visits to our veterinarian for acupuncture and chiropractic care, to aid her in some spinal trauma from her illness. We're forever grateful for the no claim limits and 90% coverage. It made getting our cat the best care available to save her life, easily achievable without financial worry.

parvo virus survivor, 3 knee injuries, bladder/kidney troubles and epilepsy.... All my dogs are happy and stable thanks to Trupanion... my rescue puppies... well dogs now have the best care and lives they could have dreamed of. They have the opportunity to become old dogs with long quality lives with significant credit based on the coverage of our insurance... don't have a dog without it.

We have had our cat Baby Boosh, for just over a year. She was a rescue from Montreal. We signed up for Trupanion insurance about a month ago. Last week, she started urinating small amounts of blood. We immediately took her to the local vet, who ran a slew of tests including an xray which showed a mass in her bladder. They had no idea what it was, but suggested we have an ultrasound technician look at it later that day. The technician found that there were 3 bladder stones and the large mass was a blood clot. They said we needed to do surgery in order to clear it. Good thing we had Trupanion insurance! The invoice for that day (tests, ultrasound, bloodwork, urinalysis, etc.) was $1400. The surgery was going to be $2400. The clinic is a Trupanion Express partner, so they submitted the claim. Within a few hours we received an email from Trupanion that none of the services or surgery would be covered because we were 3 days shy of the 30-day waiting period - so it was considered a pre-existing condition. We called Trupanion and tried to resolve the issue to no avail. They stood by the 30-day waiting period and would not contribute any amount to the costs. Even worse, they said that if there was any recurrence of the problem (or anything else even remotely related to it) at any point in the future, it would not be covered - again, considered a pre-existing condition. I think it's pretty clear that we had no malintent in this situation - if we were looking to "scam" the insurance, we would have obviously made sure to wait this "30 day period". We check some of the other insurers and found most have a 14-day waiting period. Why Trupanion has 30-days is anyone's guess. I got the feeling from the phone conversation that Trupanion may be one of those insurers who tries to deny claims all the time and puts the burden on the insured to prove things. We are obviously paying the costs for the surgery for our Baby Boosh, but very disappointed in how Trupanion handled the situation.

Do not trust Trupanion. We paid our deductible, had over $1300.oo is vet bills. Trupanion gave us $6.00!!!!! Now they don't cover our pets illness. But still want us to recommend them to our friends and families.