Trupanion Canada | Pet Insurance Review

Our rescue cat Toby was diagnosed with diabetes several months ago. We have not been able to stabilize his blood sugar. Trupanion has been amazing and so supportive, reimbursing the many hospital visits and blood testing costs so that we are able to continue to try to get control of this disease. Best decision we have ever made!

Trupanion was represented to me as among the best for if I was ever in the need. Their price (I pay $50/mo for $150 deductible) was also among the highest. You get what you paid for right? A lot of people with serious conditions have been helped out greatly. Well they still may be very good- I don't really know. But after about 4 years of this almost double priced insurance, and no vet bills covered, I had a real need for help with my dog's lipoma and other worrisome growths surgery. Here's the kicker that got me: They considered their deductible "per condition" and not per year or per incident like you're used to with your auto insurance. After considering almost every incision in my dog a separate condition, they got me for the deductible times three! After the deductible was multiplied so many times, the payout was almost not worth driving to the bank. In their defense they said that a long term condition like diabetes would cost more in per year deductible than per condition- which is great news or whatever. I don't feed my dog supermarket corn and sugar so we're not really risking diet diseases. They were nice enough on the phone, but like many businesses are becoming nowadays, they had nobody who could help at all; no flexibility whatsoever to keep me as a customer. They charged the deductible enough times to negate the payout almost completely. The appeals process put the onus on me to convince my vet to write letters (for a failing cause). I'm sorry but I'm busy working to make the money to put in their pockets! I don't have time to go jump through hoops, especially on something that literally is their line of business, not mine. They could just go to my vet for the info they needed, because alas they are the ones who know what they need to know, not me. So it was a double whammy for me today... What else will they do? That's what I'm wondering! It's a pain that for such an expensive plan, I have to go through the contract again to find where they want to screw me. Usually paying more means less tricks to catch in the fine print. What a waste of $600/yr so far... Basically if nothing giant happens, Trupanion uses the multiple deductible trick to neutralize payouts. Not saying another company is better, just watch out and don't trust Trupanion's sales team- Read the fine print very carefully- it's where they make their money!

I got this insurance after reading good reviews in 2012. I had only one claim for less than $100 in all that time. The rates kept jumping up, and the congenital things were being called pre-existing. So I called to cancel after the last rate hike and finding out the deductible was for each thing. I thought I was talking to a high pressure telemarketer. She then said she'd send me an email, and I had to fill something out and return it to cancel. The email didn't come that day, and I forgot about it, assuming she cancelled it like I said to. Then I found out that I was still being billed for it. So I went through emails until I found it, and there was nothing to fill out! So I sent it back, saying to cancel it and give me back my money. After a month, I just got a phone message and ANOTHER email with all the high pressure talk and more talk they want me to do to cancel. This is a scam!! The high rates and what they won't cover, no one needs this. Put money into a sock drawer and save yourself the hassle!

surgery to repair cranial cruciate ligament tear in left rear leg

Customer service is fantastic! reimbursements were very timely, as well.