Trupanion Canada | Pet Insurance Review

My previous dog had cancer. I didn’t have insurance and had heard that it wasn’t worth the money. I spent all of my savings on chemo for him. When I got my new dog I was afraid she would get cancer one day and I would not be in a financial position to pay for it. I never wanted to be in a position of putting my pet to sleep because I didn’t have the money for health care. My vet recommended Trupanion and I chose a 1000 dollar deductible to keep my premiums down. I thought that I would be able to cover vet costs unless she was hit by a car or ended up with cancer when she was older. My new puppy seemed happy and healthy until she was 5 months old and I noticed she limped after a busy day. She also started to have a problem with yeast in her ears. Now my dog is 20 months old. Her ear problem has continued and I have now spent more on her vet care for her ears than my deductible. While it is nice that costs associated with her ear infections is covered now, I could come up with the money to pay for it. Her problem with limping, however is a different story. My beloved dog Calabaza has elbow dysplasia in both front legs. Without Trupanion I would not have been able to pay for the CT scan that was required to confirm the diagnosis and plan the course of treatment let alone pay for the treatment. Without treatment my beautiful golden retriever would suffer from arthritis as her elbow joints disintegrated. As a pet owner who considers her dog a member of the family it would have been devastating to have to decide between helping my pet or financial ruin. Luckily, I don’t have to make that decision, thanks to the Trupanion policy I purchased. I am so grateful to have Trupanion. Within minutes of the specialist vet telling me Cala needed a CT scan I received an email telling me what Trupanion would cover and how much my portion would be. My dog is having surgery in a few days and I can spend my time deciding how I will manage her aftercare instead of trying to find a way to covèr the cost. Thank You Trupanion!!!

We have been a long-term, loyal customer of Trupanion, we purchased pet insurance when our large breed dog was a puppy 9 years ago. I have always promoted this company with the utmost respect, honesty and loyalty, as we appreciated the service greatly. This service included timely responses to questions, and a 2 day turn around for payout of claim submissions. While I appreciate as a senior dog ages, insurance goes up, we were recently not notified that trupanion was switching to a new “manual” reimbursement model, and in the same week our insurance price went up 25%. We now have to wait 5 weeks for reimbursement opposed to 2 days. For our elderly mother who has a dog, this has left a significant financial burden. Firstly, I do appreciate this is a transition period, but Trupanion was not in any way transparent with the roll out of their new manual system to customers. Secondly, “growing pains” (which the agent just stated were the cause of the delayed transaction) are not how multi-million dollar insurance companies run, if you don’t have the IT, marketing, and payroll support to roll out a new system..DONT. The folks that work for Trupanion, especially in the customer service department are incredibly kind and responsive, and I can only imagine the number of complaints they now have to navigate for a corporate decision that will certainly leave a mark on this company for years to come. You have just lost a significant amount of customers.

I can’t say enough about Trupanion and their support for Jackson over the past 14 years.

Their administration fee is absolutely disgusting. They've surely done their research and determined you'll pay the garbage cash grab fee at checkout. These sorts of junk fees should be illegal. Edit: I advise everyone to have a good look at the boiler-plate reply below and assess. There's actually little information there that you wouldn't already know. So, there's no clarification. All of the expenses they cite are standard operating expenses for an insurance company. You're essentially being charged a fee for the privilege of choosing them as an insurance provider, and they're trying to gloss it over. They know that once you've selected a premium, you've indicated a pain point about coverage for your pet, and they're sticking you with a garbage fee for an application you complete yourself. Keep in mind, most of us fill out the online forms and do the work for them. And to top if off, you pay that fee, and they reserve the right to change the premiums at any point. So, you don't even get a guaranteed rate for a fixed period, and you still pay a nuisance fee.

Many vets have Trupanion system so that they can apply the claim online and I can get the money back immediately. That's very convenient. If you connect their service group, you will find that is a highly effective team. They always can give you the replies in time. I totally recommend Trupanion to you.