Trupanion Canada | Pet Insurance Review

[Updated June 03] After the third review of my claim Trupanion has covered the majority of my claim, less the $500 deductible. Thank you Mary and Trupanion for your special consideration due to the circumstances. I will modify my review to 4 stars accordingly. [Original review May 26] I have had several dogs covered by Trupanion in the years since my 1st enrollment in May of 2005. My experience with Trupanion [formally Vet Insurance] has been very positive through some very costly medical issues over those nearly 20 years. My most recent experience has been anything but positive. I am currently the very proud guardian of 4 dogs, only 1 of which, a 13 yr old female, is currently being covered by Trupanion since she came to me in 2013. Trupanion has not paid out one penny in claims over the past 11 years for my very healthy girl, although I am paying $190/month in premiums, just for her coverage. Recently during my girls annual check up it was recommended by my Vet that she have a non emergency dental procedure, no recommended time frame was given. Due to circumstances, I cancelled an initial appointment for the procedure scheduled for 14 days after the recommendation. Not remembering a line in the policy, I took out 10 years previous, stating a dental procedure had to be completed within "3 months". I unfortunately waited 3 months less 2 days to make an appointment, however the procedure could not be completed until 3 months and 15 days after her initial appointment. Because I did not keep up on every nuisance and word of the Trupanion Policy, Trupanion rejected my claim and an appeal made both by myself and my Veterinarian explaining the circumstances. Despite paying $9,412.02 in premiums over the past 10 years 5 months for my girl alone, Trupanion has decided to rejected my claim for $1,479.46 based on 1 line, buried in their policy. I will have to seriously consider if I wish to continue paying $189.18/month for my girl's coverage. Coverage that apparently that does not exist. A premium that increased 35% and 25% annually over the past 2 years, or find coverage that I can count on , and afford, elsewhere, as I have done with my other 3 companions. [Update May 30] Trupanion has contacted me, as stated in their reply to my review. They are going to reassess my claim once again. I am hoping for a more positive outcome.

I wish I could give a zero star rating. I have sent 30+ emails asking questions (yes, it was the correct email, not the one that says 'do not reply') and made 4 phone calls. I just want to know what my dog is covered for. I had to do the leg work and phone my vet to send the information to trupanion. They said they were waiting on the vet to send my dog's information, but in reality, they had never contacted my vet (this was a month and $175 payment in). So, even after me doing this work for them, they couldn't tell me what my dog was covered for. I paid over $300 for two months and no one is even returning my emails. I just cancelled today. And the person on the phone said 'I wish you had tried contacting us' - a complete joke! As I said, 30+ emails and 4 phone calls. How much more 'contact' with you do I need to make! So disappointed! I really wanted this to be a good fit for our dog.

From day one trupanion has been an excellent companion support protecting our four legged family member in many situations that we never expected to experience in our pet ownership. They deal with us in a professional, warm personal and friendly way. The protection offered is clear in terms of what is and isn't covered. With claim support, they have always been prompt and thorough. This is insurance that is truly there when it is needed and not hiding behind a mountain of excuses!

Trupanion raised our premium $27 over the first three years of my dog's life. That's an obscene amount. At this point, it is definitely cheaper to not have pet insurance. Why did they do this? Because "similar dogs in the area" were making claims. AKA my dog that has made claims due to allergies - who they clearly don't want to insure anymore. And now that screws me on any other insurer, and they know it. It's an absolute bait and switch.

This company is the must unfair, they just increase the insurance, with the must dumb reason, not good price, not good staff, don't recommended at all.