Trupanion Canada | Pet Insurance Review

I was given a response to my vaccinations claims quickly and professionally.

I cannot imagine how these positive reviews can be true and from real people. For example, there's this one: "Our dog has ear infections it seems almost constantly. Not only does trupanion help with all of those, we recently had to get surgery done on Jada's ear for an aural hematoma. The surgery cost us over $1300 and Trupanion paid us back almost $1200 for the surgery." The fact that there is a pre-existing ear condition, yet Trupanian supposedly is paying this claim is flatly unbelievable to me. The aural hematoma is caused by violent head-shaking, which is itself caused by the "almost constant" ear infections. So, if Trupanian was consistent in its claims assessment, this would be obviously a pre-existing condition. In our experience with our cat, Trupanian has managed to find extremely vague past symptoms, such as "coughing," and now denies ALL claims for recently diagnosed asthma, etc. We are out thousands in vet bills that we thought would obviously be paid, and we have paid Trupanian thousands in premiums. But every claim comes back denied, based upon the vaguest of "pre-existing condition" assertions. Perhaps back in 2011 Trupanian was better about paying than they are now. But at this point, we have filed repeated claims that are denied on the basis of "connecting" the vaguest and most general of symptoms, such that now they won't cover anything "related to" heart, lungs, or gastrointestinal tract for our kitty. So, we've paid them thousands, and basically our entire cat is a "pre-existing condition." We'll be canceling, and I cannot recommend Trupanian in the slightest! I would say, if you have a very young pet with no medical history, then, sure, get it insured. But if your pet has any medical history, at this point (in 2016), Trupanian will invent ingenious ways to "tie" one vague symptom to another and deny your claim. Class-action, anyone?

You must give Trupanion a list of the vets your pet may have visited. Then as you turn in claims every claim becomes a "pre-existing condition" They do not tell you up front what conditions will be excluded, they just start collecting premiums. So as you submit claims, one by one you are told "pre-existing condition- so no coverage" My dog had surgery for something in his paw that caused a large swelling. Surgery was performed and the Surgeon left a message on my cell stating the findings were consitent to support a foreign body in the paw. You guessed it. Trupanion denied the claim as a pre-existing condition. Even when the recording was passed onto the Trupanion Rep and the claims people, they all went dark and no one would respond.

I have had pets my whole life and never had insurance for them. Very happy I got this for both my cats. Staff was very helpful on the phone, as I have eye issues and need a bit of help with the claim forms. Just received my reimbursement for an issue for one of my boys, and it was processed quickly. Confident Trupanion will be there for me should I need them again.

Trupanion did cover 90% of the covered treatments, which would have been prohibitively expensive.