Trupanion Canada | Pet Insurance Review

I have had to submit two claims with Trupanion so far. Each claim was processed in a timely fashion and the staff at Trupanion were so helpful, kind and considerate. I would recommend them 110%!

I had my dog examined 7 days after my policy took effect because he had been coughing for a few days and it was only getting worse. To be exact, the coughing had been noticeable 2-3 days after the policy started, I watched it for a few days, then had a doctor look at him. He was diagnosed with Blastomycosis after diagnostic tests were performed. Trupanion initially denied my claim. They stated a policy exclusion that my dogs 'signs or symptoms could have been observable or reasonably noticed my myself or my vet' before I actually had him examined or noted his signs of being sick. I am a vet tech and work at a hospital, so I was able to have my dog looked at as soon as anything was noticeably wrong with him, so Trupanion's reasoning behind denying my claim was extremely stressful and frustrating. I had my dog looked at when I noticed something wrong, not like I waited for my insurance to start before I got care for him. I appealed the claim, at which point Trupanion asked for more detailed records and a note from the doctor. It annoyed me that they asked for more information after already denying the claim and me appealing it. They denied covering his illness again, but had a staff veterinarian call me to discuss my dogs case. It didn't take long talking to the veterinarian to decide that they should cover my dogs illness and the appeal would be overturned. She was very nice and tried to explain why my claim was denied so quickly. Basically because my dogs illness was so close to when my policy started, from an insurance perspective, I could have been waiting for it to start before getting care for my dog. Also, they try to close claims as quickly as possible. While I understood what she told me, it still frustrated me that they simply denied my claim before knowing all the information that was necessary to make the right decision. In the end, it all worked out, but I had to be proactive and deal with the stress of settling the claims for my dogs illness.

The claim was processed quickly and easily. They even did much of the legwork on their own to finish the paperwork. I had four separate events on the same claim, using three different vets. They reimbursed exactly as described in the policy and the premium has been well worth the money.

Having extensively researched many pet insurances, comparing and reading reviews, we decided on Trupanion. We didn't think we would be taking advantage of it before our puppy turned 2 since she didn't go through the chewing stages that many of our others did in the past. She initially showed signs of a bladder infection, but after a day of no improvement with medication and symptoms worsening, the vet confirmed it was more serious and had to be resolved immediately. Emergency surgery was performed as one of the three stones removed proved to be life threatening. Upon payment settlement to our vets and establishments, we submitted the paperwork and total claim of $2,557.89 bill and after the $400 deductible (we chose which is another fantastic option), the $203 items not covered (which is spelled out when you apply)they paid us $1,759.40 (90% as promised) which is more than any other insurance would provide!! Even better, we faxed our paperwork on a 11/10 and received an email confirmation the same day, we received a followup email on 11/11 to indicate they were verifying, and another email 11/17 to confirm that payment was issued! ONE WEEK!! While we hope it's a LONG time before the next vet visit, we know we can count on them to help us provide the best possible care for our little dog!!

I am giving Trupanion an overall rating of 8 because the claims I have presented have been handled in an efficient and professional manner. What I don't like about the policy is that every different diagnosis (i.e., stomach ache v. laceration) has its own deductible. In other words, the deductible has to be met for every injury/illness each year.