Trupanion | Pet Insurance Review

Beware of trupanion! In 2009, I decided to get this insurance for my 2 month old puppy that I had adopted. I paid $31/month with $1000 deductible for "lifetime" of coverage. Sound good on paper, but I am now finding out that this insurance is useless and it is the worst insurance out there. In Sept 2019, my now 10 year old dog had a surgery to remove a lump on his paw, neck, and stomach area that cost $811. I also filed a claim for his eye and skin allergy bills worth $450. I thought I had met the $1000 deductible right?, NO! they categorized the lumps into two different lumps meaning my deductible was $2K and another $1K deductible for the eye/skin allergy. So for a $1261 claim, I had a $3k deductible in total. I was disappointed to say the least. To make matters worst, a week ago I received an email that they are increasing my monthly fee from $31 to $38. I asked why and I was told that it was based of their data report. BS! this insurance is a SCAM! After 10 years of having this insurance, I have yet to see a penny from them and now they want more money? Trupanion does not care about my pet. Now that my dog is old, we're being treated like garbage! shame on you Trupanion!

My dogs condition is melanoma. There is a deductible for each condition. The vet removed 13 suspicious small skin bumps and spots to check for additional melanoma after he was already diagnosed with a lump on his neck.. The results of those additional spots were one benign melanoma and others that were just cells. Trupanion is charging me 3 deductibles....1 for melenoma, 1 for benign melanoma and one for the cells that were nothing. Unbelievable! So if your animal has cancer and they remove any suspicious masses that are not cancer, you will be charged deductibles for multiple conditions. Beware!

We are so grateful for the quick response to our claim. You are awesome and we really appreciate the fantastic service. Our little girl is healing nicely and she sends a big wet doggie kiss to you all. Thank you again.

Hello john k! My name is Julie. so like i'm looking for insurance right, i dont understand about pre existing how its work. how do you decide or know if the pet has pre existing condition or not? J HI, John. We will collect the medical records for your pet, which will show us your pet's medical history up to the point of enrollment, and then after as well. yeah i know but if medical record shows curtain symptom then it goes to pre existing? what if the sympton isnt on the medical report? J If a pet already shows signs or symptoms of an illness or injury, this would be considered pre-existing, even if it has not been diagnosed yet. do the pets has to be in examination before the insurance start? yeah that i dont get it. how would u guys know its already started or its been J No, but keep in mind there are waiting periods too. 5 days for injuries and 30 days for illnesses. It sounds like your pet is going through something that you may be looking for coverage on. is this correct? my pet is completely healthy m just trying to figure it out. i have a wellness plan ending in dec. after that im thinking to get insurance along with pet insurance. my pet had parvo 4 months ago but hes survived Then you would have nothing to worry about, if there are no vet records of any problems (and if you get through the waiting periods with no signs or symptom) then you are in the clear. It is a great idea to set up insurance while your pet is young and healthy. J That is good news. I am happy he pulled through that. hes 11months i mean i heard from people and saw some reviews that people saying thier pet never had condition or ever tested before then when they go vet and do a claim. most of them told its preexistiong condition n dont cover thier bill J I understand your wanting to be smart about this. We rely on the vet records, and we would not deny a claim unless the vet records show us the condition did not start after enrollment. Would you like to speak with me so we can go over how the policy works, and pricing? so im just trying to know how do you guys decide its pre existing is it like they has to go pre examined for everything before getting a insurance or its just based on their medical record past are you calling me trying to be smart? im just trying to figure it out and doing some research when it comes to my insurance. how can you be so rude?

We lost our cat in August, but we worked hard to bring her home and I remained hopeful that she would return for several months. I finally decided I needed to cancel her insurance, and Trupanion very graciously refunded me for the 3 months I'd paid the premiums even though our cat was lost. They have been very easy to work with throughout the time we had coverage, and I would insure another pet with them in a heartbeat.