Trupanion Canada | Pet Insurance Review

I haven't actually used the plan but calling to get information and set up both my dogs was fast, informative and efficient. The operator was very kind and I feel a lot better knowing I've finally signed them up and have them covered :)

Initial visit online to gather up info was followed up by courteous emails. Trupanion was recommended by my puppy's breeder and my researxh confirmed their value. The enrollment over the phone was easy and Jackie was torough and answered all my questions. Quick process! My vet office does not take direct billing but not a major concern as the insurance does not control that aspect - the fact that Trupanion offers the option is sufficient. So far, I am satisfied.

Absolute thieves. We have the top of the line plan and we are covered. We were arbitrarily denied a claim despite the vet explaining and sending over all the information. We will be contacting a lawyer to recoup all the money we’ve paid thus far. AVOID!!!!!!

Enrolment was easy...price was almost 50% higher than what the commercial noise stated, but it still seemed to be OK. I did the enrolment because the cat is a registered bengal and worth a bit, plus we love her all to hell. However with any insurance two issues are important. Price increases that are hard to justify, and no coverage for a variety reasons when claims occur. How easy it is to send money for coverage isn't as important as what the coverage really is in the end, and whether or not a pet savings account is cheaper in the end. So we'll see.

So far my experience has not started off on the best foot. I found out that my dog isn't even covered for illness for the first month because of a waiting period which is 30 days for illness and 5 days for accidents. I can understand there being a waiting period (although 30 days is a long time), but I should not be charged the full price for the period I'm not receiving the full benefits. Would it not make more sense to prorate the first month or start charging as of the month your coverage actually starts? I get that the company is in this to make money, but open fraud like this is just plain dirty. Not only are they charging me full amount that month, in addition I had to pay extra for registration fee so I can be "put in their system". Being a web developer myself, I know it costs 0 dollars to put a user in your system especially since the user did all the work for you. If you haven't figured out how to automate this by now, then that is on you and shouldn't be an extra charge on the customer. Best explanation I got for this was because it was "the industry standard". Basically reaching into my pocket because they know I don't have a choice. Edit, I did have another complaint here originally but they called me and they explained the issue and I removed that complaint as it was a misunderstanding on my part, so I admit to being wrong on that and I apologize. However, I do stand by what I wrote above. I increased my rating due to them reaching out and trying to explain things, but I still don't agree with their policy on charging fully and not providing full coverage. Update: So a month passed and I called to ask if there is anything my dog would not be covered for him and this is where I realized this company is just one big scam. Basically my puppy had an upset stomach due to the food he was on, so now because he vomited they are now not covering anything relating to vomiting and "licking". I mentioned to my vet that the dog likes to lick himself sometimes and she added in her notes that the dog "licks himself" so they added to their policy that anything related to licking can be not covered. WHAT??? And guess when they decide that, when you submit the claim they will decide if they feel that licking is connected to the problem you were taken to the vet for at that time. This is just hilariously bad company. I would steer clear from these guys. Then I asked about their guarantee of money back, they will not refund my first month because I'm 3 days late. They give a "30" day money back, but they wait "33" days to tell you they won't cover your dog, so that they can keep the first month, you know that month where you were not covered to begin with? Just absolute scam.