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Peace of mind is priceless - be an advocate for your pet
We have such peace of mind knowing we can take our pup to the vet for anything. You never know what life can throw at you, and we are grateful for the financial support that helped us keep our pup healthy during a rather eventful youth. Our dog needed emergency surgery for a foreign object in her nose and though we had to go through an appeal process and call a few times to new the ball rolling, it all worked out in the end and the surgery and meds were largely covered.
Insurer: Trupanion Canada
By: Candice Brown
Trupanion is professional, and hands down the most reputable Pet Insurance company I will ever sign up for!
Trupanion is professional, transparent and trustworthy! This is the only pet insurance that I will trust for my pets going forward. They stand up and demonstrate their policies exactly as they are described online. The only word of caution would be if when signing up for Trupanion for which you will be very glad you did, ensure you select the aftercare rider. Being new and unfamiliar to Trupanion at the time, I didn’t clearly read the policy regarding the rider option - this was MY FAULT, and had no idea how important it would be to tick that rider box until my pet 15 month old CapeShore required bilateral TPLO surgery. It was not a showstopper, we paid for the rehabilitative appointments she needed to get her back on her paws but had I ticked that box all of that would have been covered at 90%. Once you sign up for coverage I believe you have only 1 month after signing your pet up to ‘add’ coverage for this rider to your policy. You can however, remove the rider at any time after that, but once removed you can not add it back again. I take full accountability for the above rider option decision not Trupanion, they do clearly state this under their policies, etc. that this would be the case. I should have discussed with Trupanion directly to ensure I clearly understood. I will say they were saviours with my pets surgery costs which were upwards of $20,000 - Trupanion paid up upwards of $16,000 and we paid the agreed $700.00 deductible which I chose to keep our payments down. Once she has been covered for this condition she is covered for life. For this condition, we will never have to pay that deductible again for anything related to this condition. Finally, Trupanion, in my experience is the only pet insurance company that can be direct billed by a veterinarian clinic. So with this pet insurance, you never have to pay for example upfront for the costs that are approved by Trupanion at 90% as the vet clinic submits an estimate and receive the Trupanion portion so you never have to worry about the 90% portion which to me is a Godsend!
Insurer: Trupanion Canada
By: Marilyn Tibbo
Claims are a nightmare
Horrible onboarding and claims process. I have 2 labs and the price of insurance was high even though they were puppies when I started the plan. It took months and months to even onboard them because they kept asking for information of their medical history, including “doctor’s notes”, which my vet didn’t even understand what they wanted. They sent everything over and over again. Yet it kept being delayed because they were waiting on information of some sort. Embrace will happily let it sit forever unresolved, stating that you can try to get the info on their behalf. Well that would be nice if I knew what they needed. They finally onboarded me after months of fighting, with “pre-existing conditions” that didn’t actually exist. Fast forward 4 years. Upon filing my first medical claim, it’s been placed on hold pending additional medical information from the 12 month period prior to my on boarding. What?!? Embrace drags their feet until you finally give up. Their website states a diminishing deductible for each year of no claims. I’ve never seen that happen. Additionally if you alter your plan to add coverage they will happily oblige. What they do not tell you is if you reduce it back down you will be subjected to the new patient policy - along with initial waiting period and evaluation of pre-existing conditions. A huge expense and enormous hassle for little or no return. You are better off saving money each month yourself for your pets’ needs.
Insurer: Embrace
By: Denise
Easy Process. So glad I chose Trupanion!
The representative was polite, very informative and explained things that made everything easy to understand.
Insurer: Trupanion
By:
Very grateful!
Trupanion is so quick in their response to, and return on claims….I’m so grateful that we have their coverage!
Insurer: Trupanion
By:
Fast claims!
Very fast claims experience!
Insurer: Trupanion
By:
Satisfied customer
Very quick and easy
Insurer: Trupanion
By:
We will see how good you are if needed.
We will see how good you are if needed.
Insurer: Trupanion
By:
It is worth it to have a pet insurance
When I get in touch with Trupanion they stay on the line with me at all times. They ask me if I have any question. It was a good experience.
Insurer: Trupanion
By:
You all have been wonderful with payment for Bella.
You all have been wonderful with payment for Bella. So far which has been 9 yrs. I have been able to contact you with any questions that I have. I have always rec’d quick responses. Thank you.
Insurer: Trupanion
By: