Trupanion Canada | Pet Insurance Review

A horrid company to deal with. Absolutely do NOT recommend them. I have 3 husky mixes. All young. One began spontaneously having seizures. Rushed him to emergency vet. Still don’t know why he was seizing. Did blood work (CBC and tick panel), meds in case he has another seizure and deworming in case a tapeworm went to his brain. Bill so far is $800. I have a $500 deductible. Of the $300 excess Trupanion has covered $25. Disgusting! They are treating everything as if it is an annual wellness check. Their website doesn’t work so you can’t check you pets policy online during an emergency. The only available documentation online is a note that says one of my dogs’ files had a review done and is marked complete and yet his file is incomplete because they lost the basic info about his birth date and adoption date. The review was done several months ago and I was supposed to be alerted to the missing info but was not. Instead they marked his file complete. There is zero documentation available online for my other 2 dogs. My premiums went up after 1 year despite their false promise that your premiums don’t rise as your dog ages. Nonsense! It’s a smokescreen for raising your premiums anyway. I asked to speak to a manager. We played phone tag. Every voicemail he left was snarky and belligerent. I finally asked him to leave a voicemail with a date and time to connect. Never heard from him again. This is one of the WORST companies I have ever dealt with. They are sloppy, snarky, don’t care about you or your pets. Everything is excluded. An emergency is treated like an annual wellness visit so everything is excluded. I’ve wasted $3500 on premiums so far and received a whopping $25 in coverage. Finally spoke to a manager who was at least pleasant and I was told going forward, everything should be covered for seizure diagnostics and treatment. Nope! More claim denials. Called customer service to advocate for coverage since this is not routine wellness visits. Was told too bad, nothing I say will make them budge. All they care about are their profits. Screw the customer and pets. They are sloppy. lazy, don’t care, and are a massive rip-off. Do not ever get pet insurance with Trupanion. You’ll go broke and have the aggravation of mopping up all of their sloppy, incomplete work while getting a few pennies in actual coverage.

UPDATE: They say it’s pre existing without any diagnosis and while the pain was cervical now it is a totally unrelated area. The report says his neck is fine. Emergency surgery is urgently required for my baby. Unfortunately, due to the presence of UNDIAGNOSED pain in his middle back and cervical area without any previous scans conducted in May 2022 it could have been a sprained muscle for all we know, Trupanion, the insurance company, is reluctant to cover the costs. As a result, we are faced with the difficult decision of either finding the ressources before the end of the week. As his medication is not working and that he can get paralyzed in any seconds, he needs the surgery as soon as possible. I would like to take this opportunity to urge everyone considering pet adoption to carefully research and opt for a reputable insurance provider. It is crucial to choose an insurance company that prioritizes the well-being of pets rather than simply focusing on financial gain. As many pet owners have experienced, insurance companies like Trupanion often employ strict criteria and try anything to refuse to cover, making it challenging to file claims. They tend to find the smallest reasons to deny coverage, disregarding the fact that suspicions and diagnoses can be vastly different. For instance, it is possible that my baby may have simply sprained a muscle, yet Trupanion has denied the claim without considering this possibility. In summary, it is essential to select a reliable insurance provider that genuinely cares about the health and well-being of your pets. This will help ensure that they receive the necessary care and treatment without unnecessary hurdles or financial strain. I would DEFINITELY not recommend Trupanion to anyone.

there are few words that best describe my gratefulness in your care of Sterling and myself. The timeliness of getting Sterling in for an appointment was essential , the professional examination and research the vet did was so very comprehensive, my appreciation is beyond words. Thank you all so much , from the depths of my heart! You are wonderful!

Easy to submit, quick payment. Good communication.

Any experience we have had with Trupanion has been very positive.