Trupanion

When you sign up for the insurance they highlight they pay for 90% of your bill minus deductible. They DON'T - They separate the Dr. bill from the procedure and pay NOTHING. They misrepresent the truth and then hide behind disclaimers.

Their website boasts "fast claims". But it's been 4 months and I'm still waiting. I filed 2 claims in June, and it is now September with no resolution, other than emails saying "We're working on it". After MULTIPLE calls wasting my own time, no answers. DO NOT FALL FOR THEM. They have nice agents, but awful service. They gave me excuses like "We're changing systems". That was 4 MONTHS AGO.

This "insurance" is a scam. I pay $1500 a year and my dog has a suspected auto-immune disease as of yesterday. In January, 2023 he sprained his paw at the beach, and in June, 2023 he tore a ligament in his left leg, which resulted in swelling but is now healed. Last week, he started having trouble getting up and seemed in pain. The vet saw him yesterday and said he now has some swelling in his knees which may be an auto-immune disease he developed. He never had fluid in his knees before! Yesterday, Trupanion denied coverage stating since my dog previously had swelling in his joints--(well, of course-he was injured), they are not covering the new suspected auto immune disease. That’s like saying, "Well, you sneezed and had a fever and runny nose in the past, so we are not covering your new cancer diagnosis because those symptoms you’re having now you had before. WHAT A SCAM!! BEWARE!!!

I researched Trupanion before I bought pet insurance for my 2-month-old Springer Spaniel. I figured what could go wrong, he was 2-3 months old when the insurance kicked in after 30 days. He was perfect. He was a puppy. Before my 30-day grace period was over I took him to the vet to have his first check up. Everything was great with the exception that his ears were a little "dirty". They were cleaned and that was that. At about a year old he had an ear infection. I made a claim and because his ears were a little dirty before the grace period was up, they denied my claim saying it was a preexisting condition. Like an idiot, I continued with the insurance for the next 3 years.

Highly don’t recommend Trupanion. I moved provinces and they quadrupled my monthly premium. Yes, I am not joking they increased my monthly premium to 4X what I was paying before. They also denied claims stating that they were “pre-existing” when that was not true. I signed my dog up as a puppy at 2 months old. Terrible company. I absolutely do not recommend.

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 that's 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?

My experience was: paid $590 for the vet, received $110 from Trupanion. They don't pay for examination fees; they don't pay taxes (mandatory in Ontario - 13%); they apply coinsurance to deductible (i.e. first $300 that you pay only count as $250 if your coinsurance is 80%); they don't pay administrative charges. I have cancelled insurance with them and found much better company that actually cares about your pet.

They're increasing my premium from $102.58 to $129.55 over a 26% increase. They market as if they don't increase the premium for your dog if they're 'unlucky' or based on their age but you'll see an increase regardless. They claim to care but they really don't they will find all excuses to not payout or payout bare minimum and keep increasing your premium for other reasons and excuses they hide behind. They used to do direct billing but not anymore according to my vet, we have to submit the claims ourselves and wait for them to process the claim. I submitted a claim over 10 days ago and no response still.

Premium is going up from 49.63 to $61.05. That’s a 23% increase, way way higher than inflation and seems like what some economists are calling greedflation: corporations sneaking in price increases to bolster their profit margins during a time when consumers will think the costs are due to actual inflation. I’m stuck with them but I would not recommend.

After dealing with Trupanion for many years and, sadly, ignoring the advice of my friends, I have finally cancelled my membership. At the time of cancellation, they were planning to increase my monthly premium of $91.22 to $121.00! The last episode of illness for my 14 year old mixed breed hound, a nasal obstruction due to a growth, occurred over a period of 16 months. It involved three invoices attached to one claim totaling $1,020.45. Since I have a $500 deductible for each illness, I was expecting compensation of $520.00. I received a paltry $125.00. During this exact same time period, I paid Trupanion $1,302.45 in premiums! The MO of Trupanion is to confuse and patiently explain why they cannot pay you while all the time chirping pleasantly through email and on the phone about concern for your pet. PLEASE SELF-INSURE. Put money aside for the care of your pet. Trupanion is just big business. They win and you and your beloved pet lose.