Trupanion | Pet Insurance Review

Yes , she was very pleasant and helpful

Trupanion has proven to offer truly terrible coverage. We pay way too much (about $45 per month) for absolutely no coverage considering they will claim everything and anything pertains to a pre-existing condition. My dog swallowed a tack once when he was a 5 month old puppy, fast forward 1.5 years later and he has not had any recurrent ingestion of foreign material, however, he recently got ill with a violent barking cough. The emergency vet told us to bring him in to rule out gastric volvulus (life-threatening condition). In order to rule out this condition, X-Rays and other diagnostic labs, services were employed. Turned out he had kennel cough and all other tests were negative after a $750 workup. We submitted the claim to TruPanion, knowing we have a $500 deductible per injury/illness, which is also a horrible policy, but regardless were hoping to be reimubrsed at least the $250 after deductible. I was utterly shocked when our claim was denied due to Trupanion claiming this all pertained to a pre-existing condition of our dog as he has a supposed "recurrent pattern of ingestion of foreign material." After speaking with the treating veterinarian, who agrees this is also a ridiculous theory, I am in the process of a lengthy appeal due to Trupanion's inability to handle any claim in a timely manner, in conjunction with their negligence to provide care for an animal on a condition utterly and completely unrelated to ingestion of a foreign material. The treating veterinarian has even said they obtained the imaging to rule out gastric volvulus, with ingestion of foreign material extremely low on the differential diagnosis. Trupanion simply works with all their power to avoid paying any possible reimbursement. The most frustrating piece of this story is this is not new to us, unfortunately. As a puppy, our dog became very ill with a bizarre aseptic meningitis type of picture. After 3 days in an emergency vet with neurologist specialists weighining in on his diagnosis, he was diagnosed with SRMA (steroid responsive meningitis arteritis) after a nearly 7k workup. He has been completely fine since and has not had any recurrences thank goodness. However, this episode all started on day 28 of our policy with Trupanion. You should know Trupanion has a STRICT 30 day policy where for the first 30 days after enrollment any injury/illness that occurs is considered a pre-existing condition ( funny, because it certainly did not exist when we signed up for our policy). Regardless, all of our claims at that time were denied by Trupanion. Our vet tried to plead for our case but achieved no favorable result either. We ended up maxing out our credit cards and dipping into our savings to cover it because what else would you do with your supposedly dying 4 month old golden retriever puppy. The most frustrating part of that incident was we had HAD coverage for the first month we had our dog with AKC insurance and then switched to Trupanion because we THOUGHT (clearly, wrongly) that it would be better coverage. Thus, we never had a lapse in insurance coverage however Trupanion stated they counted the 30 days starting when we enrolled with them, and excluded the 30 days of our AKC coverage prior. Honestly, I think this company is a business first, and cares very little about your actual pets or their well-being and i would steer clear.

Trupanion really came thru on my fur baby’s back to back medical issues. I am so thankful I took out Trupanion pet insurance when my Lucy was just a pup. It has been a blessing. We were able to afford the surgeries and care for Lucy because of Trupanion. The claims were easy to file and they processed them very quickly.

All of my questions were answered and she was very kind.

Always a pleasure