Trupanion | Pet Insurance Review

My bill w/o trupanion was $1,000 we only were required to pay $300. everyone was very courteous and

As my dog has gotten older with more issues I've had to fight for his coverage more and more

I've had Trupanion for years and they've always come thru for me and my 4 footed family members. Now that they pay up front the same as my personal insurance it's even better.

We were clients for many years. We started our policy back in 2009. At that time we had 5 dogs on the policy. Coverage was great and monthly premiums were affordable. All of our dogs from that time period have crossed the rainbow bridge. Out of 5 of those beautiful souls only two had serious chronic illnesses that we definitely needed coverage for. Trupanion was great through it all. We once needed this coverage for our dog after she got into an inhaler and ingested all the medication. Mind you these were all large breed dogs. A few years ago Trupanion started to increase rates by huge amounts. They denied coverage and found ways around paying claims for our then 14 year old Labrador Zoey. Zoey’s policy started in 2009 and she never had a claim until later in her life. A broken tooth that was causing her a lot of pain and needed immediate care. That claim was denied and called a routine teeth cleaning. Our veterinarian was so upset that she credited our account $300 and immediately removed all trupanion literature from her waiting room lobby. We know have two very small young toy sized dogs. At renewal time a week ago once again we were handed a large renewal increase for our 10 pound maltipoo. He’s just four years old with no health issues or claims. Already we’re at over $70.00 a month for him. Our other dog Ruby who’s a 20 pound mini poodle and not even two years old has a rate of $84.00 a month. We paid less for a monthly premium with our 80 pound purebred chocolate and black Labradors. At such a young age there’s no way that by the time we’re half way through their lives we will be able to afford the monthly premiums for both. We are on the brink of retirement age. My husband intercepted the renewal email and shot back at trupanion with a vulgar email that was not signed by himself or I. I was at work at the time this happened. That afternoon I had a call come in from trupanion but I work for a hospital and can’t answer a personal call all the time. The next morning I checked my trupanion app on my phone and all of my dogs past and present we listed under “ previously insured pets”. I called trupanion immediately to see why my two dogs were listed that way. The CSR put me on hold to inquire about the situation. She came back on and very rudely said your policy is canceled effective immediately because we received two very vulgar emails. She said the emails were considered as written statements asking to have our policy canceled. There was no name/ signature so that does not warrant permission for cancellation. I’m the sole person that deals with trupanion, pays the premiums, and submits all claims. So this unscrupulous company canceled my policy for something I had nothing to do with. They took it out on my dogs also. The years of paying into this company, the tens of thousands of dollars in premiums and they just canceled the policy. I have zero doubt that we are not the only policy holders to ever explode on them and their terrible insurance practices. I have a call into the Washington state insurance regulator and also the NYS insurance regulator. They will not reimburse my partial payment for the month of June. I paid my $140.00 premium and it’s only half way through the month. We have already signed up with a new company. Bottom line! We were going to remove our maltipoo from the policy but we had no intention or mention of removing our one year old mini poodle from having a Trupanion policy. We were just going to change her deductible to a catastrophic policy. Over the years as a trupanion client I had great interactions with CSR’s and talked so many friends , family, and co workers into buying their animal companions a policy. Most of them canceled a few years after getting a policy. Some still have one. My parents who are in their 80’s just had to cancel theirs last week due to a huge premium increase. Grow some thicker skin Trupanion. You are an insurance company and you deny coverage to people’s animal companions. You raise premiums. Being in this business you are bound to piss people off. Take a look at your BBB ratings!! Sincerely Gina Burns T3014.

They are always kind, enthusiastic, helpful, and sympathetic when I call. And if I have a problem, they always work with me to solve it. They're all terrific. And I get repaid quickly, too.