Trupanion Canada | Pet Insurance Review

So, if your pet has had ANY symptoms similar to the symptoms for which they receive treatment in your claim for the previous 18 months of policy start-up your claim will be denied and non-covered. Note that I am saying SYMPTOMS not DIAGNOSIS. Because my pet had a cough 1X in previous year my claims were denied. Total waste of money for the insurance.

My dog, Pickles, needed knee surgery. Trupanion sent an estimate right away. I needed a couple of months to gather the money as I'm on a fixed income. After the surgery, the vet sent claim in and I received my money within two weeks. My own medical insurance is not so timely. I highly recommend Trupanion for animal insurance. Thank you, Trupanion!

T has always been there for me and Dixie. Absolutely no hassle with my claims. To date they have paid approximately eight thousand in claims for my dog! Thank you Trupanion!!

Would like to let everyone know about my experience with Trupanion. After thoroughly researching pet insurance companies, I decide on Trupanion. When Ares started limping I spent my hard earned money, did everything a responsible pet owner would do. Even took her to an orthopedic surgeon. To my relief she just pulled something. I filed my claim with Trupanion only to receive a letter that they won't cover anything because it's an illness. I of course called and disputed their decision. I was told that limping is an illness and it occurred before the 30 day waiting period. Since when is a pulled muscle an illness!? I fought back and forth with them for months, eventually calling in December to cancel both Ares and Ezras insurance. Heard the whole speech of how their sry to see me go, blah blah blah. Was told no more charges would be withdrawn from my credit card. February comes around and Trupanion pulled 2 payments from my credit card. Called and was told I didn't send a letter to cancel! Told them to pull the phone call from when I cancelled and they told me I was misinformed and apologized to me for not letting me know I had to send a cancellation letter but won't refund the double withdrawn payments. BS. I have to cancel my credit card and file an unauthorized charges and dispute the charges. Called Trupanion one last time thinking they would make things right. Nope, they want me to respond to an email stating that I cancelled my insurance on February 13th or they will pull another payment on February 21st. Good luck with that. Credit card company cancelled the card and blocked any further charges from your company. Shame on you for misinforming me and expecting me to pay for your mistake! My advice to anyone looking for pet insurance. Don't even consider Trupanion. Try VPI, Healthy Paws or anyone else for that matter. I did EVERYTHING I was asked to no avail. Now I can't go to any other company because if she does start limping or injured her leg, it will be considered pre-existing. So disappointed.

Our young, energetic and powerful staffy-mix unfortunately didn't know how to play fetch at a more moderate level of intensity. He tore is cruciat ligament turning and running up hill and came back limping. For larger dogs like this,the recommended procedure is TPLO surgery. There are other less expensive surgeries that are typically used on smaller dogs. at $4500, I was worried that Trupanion might only cover for the lower, more typical procedure. I held my breath for a couple weeks waiting for the outcome and was happy to see they covered the full 90% after deductible with no hassles. I understand that it took a bit of time to work through the claim as, a first time issue, they need to collect the history of all prior vet documentation. Now I need to ask whether post surgery physical therapy is covered despite not having athe special rider for PT... which may be non-surgery related PT.