Trupanion Canada | Pet Insurance Review

After reading all these great reviews, I decided to take insurance for my 8 month puppy. My puppy had 2 accidents: first time he swallowed a rope and 2nd time he jumped from sofa and limped on one of his paws. Both times we rushed to see our vet and had 2 invoices after. Despite the fact both cases are purely insurance cases, Trupanion didn't pay any single dollar. In first case, they told that certain manipulation or services are not covered. Such us veterinary exam! But veterinary ALWAYS charge for this service. And the rest of the bill isn't covered because of franchise. Total: 0 refund In second case, we were not covered because breed of my dog (boston terrier) has predisposition for weak joints. Also I discovered that boston terriers will not be covered for eyes, heart problems, etc. Trupanion doesn't tell about this but just ask them for the list of things they will not cover in advance, in order not to have bad surprises after. We stopped our insurance and decided simply to put aside 55$ of monthly fees on our own account. Because none of Trupanion hypothetical payments in the future will provide us with peace of mind.

1st claim, easy to use with direct billing. They even covered 50% of the cost of her prescription food to help with urinary issues! Highly recommend.

I could give no stars at all I would! This is another EVIL CORPORATION that steals your money and pretends that they help you! I have been paying an arm and a leg on insurance and when I actually needed the help I had to wait 3 hours for a quote and when my vet finally received it, I learned that they actually don't cover anything! Keep your money in your pocket and stay away from the evil corporations like insurances and banks who do nothing but steal your money! GARBAGE! I will fight to get my money I wasted on you, back!

DO NOT ENROL THROUGH YOUR VET unless you want to pay 50% more in monthly premiums. The quote from my vet after one month "free coverage" was $120 per month. I did a simple online quote outside of my pet and it was only $80 per month. that is $4,800 more in premiums per year. Trupanion's Nov 2021 SEC filing says "Trupanion members tend to visit their veterinarian more frequently and spend more money on the best course of treatment for their pet." Trupanion knows it will pay out more over the life of your pet if you have a vet so they charge you more if you enrol through a vet than on your own.

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.