Trupanion Canada | Pet Insurance Review

The increase in the cost of monthly fees. I don’t feel like an increase that substantial is fair when I’ve never had a claim. Edit - I can’t seem to reply but I’ve already increased my deductible to make the monthly payment what it was. That doesn’t help me. I’ve already spoken to customer service.

I wish i could give 0 stars. This is a scam. We've been with trupanion for 5 years. Sure, they pay up (as do any other pet insurance companies) but they will also increase your premium yearly a ridiculous amount. In the last year both our dogs (insured with them) have had a 40% increase! And thats just in the last year.. Prior year it was 20% increase. I understand inflation and why premiums go up.. but 40% in one year? I've also spoken to other people not with trupanion and their premiums have gone up $5 lol which is a lot different from my $50 increase with just the one dog. And might I add their pet insurance ALSO pays up no problem. So why is Trupanion's calculation of inflation so much more than the others? We are switching insurances on one of our dogs but unfortunately, we are stuck with the other as he has had ACL issues which would mean a "pre-existing condition" if we were to switch insurance companies for him. We started out paying a reasonable $70/month with $250 deductible but over time we have kept increasing our deductible to try to keep our premiums lower. Now we're paying $170/month for $750 deductible. And that's just the one dog. The other dog we're now paying $150/month for $750 deductible as well. STAY AWAY FROM TRUPANION... Don't make the same mistake as us. Now we either suck it up and pay whatever BS premium they throw at us or have no insurance.. (which at this point is kind of starting to look ideal) And to respond to their response below.. I've already spoken to them prior to writing this review. they've basically spat out a generic response about inflation rates and when asked for actual numbers and calculations to justify a 40-50% increase they said they are not able to provide me with that. I'm still scratching my head over the fact that other pet insurances who are in the same industry as Trupanion are not implementing 50% increases in premiums but are able to provide the exact same service.

Most, if not ALL vets (they are NOT doctors as they force people to believe and call them!) still use the same ancient tools, devices and knowledge they gathered years ago! Not sure how TP once a year, like a broken record, talks about better and more advanced care by vets and jacking up their rates! Most vets couldn’t care less and they only see 4 legs hairy pets as DOLLAR SIGN - and they love it. This year our premium went from $91.26 to $175.08 for a 5 year old dog insured with TP since we got him and ZERO claim! And this huge increase is also because of inflation affecting gas and groceries, according to TP’s email! P.S. Friendly suggestion for TP: When your employees post 5 stars reviews here, make sure they don’t grab some pictures off the Internet for their profiles! People are now smart enough to do a reverse image search!

I could write a 1000 pages long book why pet parents should avoid this company - but I won’t! Those looking for pet insurance must browse these reviews carefully, find the ones with less than 5 stars and use their own judgement to join or not! AND, see how when there is a 1 star review, automatically and automagically bunch of glorious 5 stars reviews pop up mostly by brand new account with 1 and 1 ONLY review! Back to my “title”, this is their reaction every time they find something, ANYTHING, to decline / reject someone’s claim! And, if your pet passes, then even better!

I’ve been with Trupanion for almost ten years. I started as one of their biggest advocates, recommending them to any pet owner I knew. Then they started declining anything I submitted. Their default was to decline, and every single claim the vets would have to jump through hoops to explain why something clearly not pre-existing wasn’t pre-existing (like vets don’t have better things to do). Today I got an email that they’re increasing my fees by 30%! 30%!!! This might make sense if they increased rates based on the age of the pet or the number of claims. But no, their site states clearly that they don’t do either. So a loyal client of almost ten years who’s always paid on time and has always recommended them to everyone, they increased fees by 30%. And they know there’s nothing I can do, I can’t change companies now because everything would be considered pre-existing with a new provider. I could literally hear the guy on the phone shrugging like he couldn’t care less. Trupanion was one of the first good ones. There are more options now. Look around.