Trupanion Canada | Pet Insurance Review

I always recommend Trupanion to dog owners, I’ve had nothing but positive experiences with them. Everything goes really smoothly. An excellent company to have your pets insured with.

It was easy to understand what’s covered and what’s not. The process was efficient and response time was as excellent.

Service was clear polite and informative

Disaster, -completely. After paying 10 years of pet insurance, we finally had enough! Trupanion pays close to zero in each claim. Always exclusions, exceptions and excuses. Called to cancel and no apology nor offer to make-it-right. That completely defines Trupanion as a company. Nothing. Our little one is almost 16 years and now very ill. We have paid out-of-pocket repeatedly. Make no mistake, Trupanion is an American company. Don’t be fooled by the Canadian Maple Leaf or .ca website extension. No oversight nor governmental institutions you can complain to. Trupanion takes your money, does not pay-out on claims; earns and keeps accrued interest (no escrow account here!) they receive from the millions of people and then reinvest that money to make even more millions…all the time denying legitimate claims. Moreover, Trupanion gives Canadians no transparency nor accountability when it comes to how their information is stored, used and who had access. No such thing as PIPEDA in the US. Trupanion has no written privacy policy on how your information is stored, who has access, how many times it may have been accessed by any (US) authority. I’ve read through many of the positive reviews on TrustPilot. There are many congruencies with covered claims and those that have been denied to me by Trupanion. What criteria are used here to deny or approve a claim?!!!! You cannot tell me that it is written verbatim. Decisions are based on the subjective whim of your adjusters. What are the statistics of claims approval/denial for Canadian customers? Keep your money people, - simply set aside monthly what you would have given Trupanion and you will always have enough to pay out-of-pocket yourself. P.S. Get Stuffed!!! Don’t bother responding, - not interested in hearing. Who is the underwriter and regulatory body for Trupanion in Canada? Complaints will be forthcoming.

Trupanion is a total scam!! Buyer beware!! Paid premiums for 2 years for 2 dogs (nearly $3,000). In that time frame I had 2 incidents where one of my dogs needed a vet. First visit was partially covered (covered 40% after the deductible and what they deemed "not covered" was deducted, $378 paid out). Second trip, they provided me a list of everything not covered which was basically the entire bill (they paid $9.93 on a $480 bill). After a lengthly conversation they said I should go after the drug company because their preventative meds didn't work. They are experts in denying claims and everything is written off as pre-existing, preventative, or not covered. Considering they increased my premiums by nearly $25 per dog after the first year (only had one claim at that point), seems that it's more prudent to take those premiums and put them into a savings account. This is exactly what I'm doing and I've already accumulated a nice stash. Best part is, if I need it to pay a vet bill, I won't be DENIED!