Trupanion Canada | Pet Insurance Review

Trupanion: The Most Dishonest Pet Insurance Company You Could Ever Choose Trupanion is an absolute nightmare of a company — a textbook example of how to exploit loyal, trusting customers under the guise of compassion. For years, I paid my premiums faithfully — through every increase, every renewal, every promise that I was “doing the right thing” for my pet. I believed their slick marketing about being transparent, fair, and different from other insurers. But when it came time to actually file a claim, Trupanion showed their true colors: greedy, deceptive, and completely unethical. They cherry-picked one misleading sentence from a single vet’s note, ignored the rest of the medical record, ignored every other professional opinion, and then denied my claim outright. No call for clarification. No effort to verify facts. No compassion. Just cold corporate indifference. Then they pulled their favorite trick — labeling it as a “pre-existing condition.” Here’s the problem: my pet met none of the requirements for that label under Trupanion’s own policy definitions. They simply used it as a catch-all excuse to deny payment, because it’s cheaper to accuse you of violating a term than to actually pay what they owe. Trupanion’s entire model is built on profiting from loyalty and ignorance. They’ll happily take your money for years, but the moment you file a claim, they’ll weaponize fine print and distort your pet’s medical history to justify a denial. To anyone considering Trupanion: don’t just take my word for it — go read their Better Business Bureau (BBB) complaints. You’ll see page after page of customers describing the exact same nightmare: years of premiums paid, legitimate claims denied, and “pre-existing condition” excuses that don’t match their own policies. It’s not just me — it’s a pattern. Trupanion isn’t “coverage.” It’s a corporate con disguised as pet insurance. They don’t protect pets — they protect profits. If you care about your animal and your sanity, run — don’t walk — away from Trupanion. Their coverage isn’t worth the paper it’s printed on, and their compassion ends the moment your pet needs them most.

These people will find any excuse not to cover your claim.

I was satisfied with Trupanion until my last experience. I had tried to access my app to submit an invoice and it wouldn’t work so I called. Young lady said she would look into it and in the meantime sent me a link. Submitted the claim got email couldn’t read date sent another picture of receipt showing date. Got another email saying needed all pictures. Called again young man sent me his direct link and finally got through, in the meantime he told me the app is no longer works. NOT IMPRESSED , I use that app it is fast and easy. Considering what I pay for my dogs insurance I feel we should have been offered the courtesy of being informed that this was being done. Bring back the app. By the way Patrick Utter was very polite and helpful.

They have become greedy and uncaring in last few years, my name is Wayne Samms and I do not recommend Trupanion.

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