Trupanion Canada | Pet Insurance Review

Great

With Trupanion, be prepared to have your rates massively increased as your pets hit age milestones. They start out at the puppy age saying to get on with them early to avoid the big hikes down the road. However, once they hit age milestones that make it difficult to switch, they start hitting you with the rate hikes. We’ve had multiple rate hikes exceeding 20% year over year. They want to get your in early, then price you out when you actually get to the age that there is some risk where you might need the insurance. They give a bunch of lies that it’s about new treatments and options, but you won’t necessarily see it in your area. Bunch of corporate BS when they’re just stabbing you in the back.

With Trupanion, be prepared to have your rates massively increased as your pets hit age milestones. They start out at the puppy age saying to get on with them early to avoid the big hikes down the road. However, once they hit age milestones that make it difficult to switch, they start hitting you with the rate hikes. We’ve had multiple rate hikes exceeding 20% year over year. They want to get your in early, then price you out when you actually get to the age that there is some risk where you might need the insurance. They give a bunch of lies that it’s about new treatments and options, but you won’t necessarily see it in your area. Bunch of corporate BS when they’re just stabbing you in the back. Edit: And there is the copy paste reply you can expect and have repeated by their customer service, even if physically talking to them. I expect rate hikes to happen and some 5-10 percent increases year over year. Repeated 20%+ rate hikes is not what I expected. Unfortunately when looking for pet insurance you have to lock in at a puppy when the coverage likely isn’t needed, or it is all in vein. Even if what the response is saying is true, which I don’t believe, they are forcing additional premium coverage at whatever price they want to charge that was not what I signed up and agreed to.

After 15 years of paying premiums for my beautiful cat, during the most vulnerable time during terminal illness I became embossed in a months long back and forth maze of emails to try and get reimbursed for her treatment. While the customer service people were friendly, they came back time and time again with denials. For a single claim, each message was replied to by a different person each time. I had to present the situation to over and over again, making the whole process heart-breaking and confusing while I was already feeling so upset over my cat’s health. And it was all unnecessary, the basis of their denials was due to arbitrarily re-classifying the claim based on things I had not yet paid the deductible on. Due to their rigid procedures it was then up me to the present evidence and proof that it was incorrect, which added up to hours of time, frustration and stress. They would the apologize, do the appeal, and reclassify it in some other way that avoided payment- only for the process to begin again. When I appealed, they told me I should bring my dying elder cat, who at this point was no longer eating and preparing for her journey, on a stressful trip back to the vet for more extensive testing to prove that it was part of her chronic condition. Since having experienced this, I have connected with many others that had similar heartbreaking experiences. So, while on the surface this company seems friendly enough, I would not expect support from them. They are like a sugar coated razor blade. Instead, if I decide to have another pet in the future I will follow the suggestion that many vets now make (after seeing this process over and over again), I will put the amount I would pay on a deductible in a separate bank account to save up for unexpected vet bills. When you are self-insured you can avoid the disrespect and stress associated with dealing with a large company like Trupanion that firmly places profits over fair treatment and wellbeing.

I submitted my invoice from the vet - not sure if there was anything they can do. They reviewed the invoice and very quickly notified me of what they would cover and how much money I would be reimbursed. So awesome. And such a help! :)