Trupanion | Pet Insurance Review

Said it all in one sentence.😎

Unfortunately there is not a 0 star rating. This company is sneaky and deceptive. Stay clear! When they say preexisting conditions they mean if your pet has ever been to a vet before signing up with them for any reason, they will deny any claim and claim! - pre existing condition. When you call and try and get some kind of explanation for their ridiculous policy they will say industry standard sorry we are working on this. I spent hundreds of dollars in fees and was able to claim 0 that is right absolutely nothing, zip! After being with the same vet for almost 20 years I will be leaving because they have partnered with Trupanion. Apparently both more worried about making money and lining their pockets then helping people or animals. Shameful business practice. Find another insurance company.

Another surgery, another ordeal with my little yorkie. But what makes it easier to handle is the caring people at trupanion. I truly believe you care about us and our pets. Thank You.

Trupanion miscommunicated (or perhaps downright lied) about preexisting condition exclusions, so now that I am leaving them I have much fewer options for my older pets, and I have paid plenty of premiums to them and never gotten a dime in coverage. (Which I understand is sometimes how insurance works if you don't need it, but we did and they failed, miserably.) Feb 2018: I move to Canada from the US. My prior pet insurance company doesn't exist here. But Trupanion does! I sign up. My pets have no huge issues, though one has had a tooth extracted for periodontal disease. Aug. 2018: That same pet needs more extractions. I call Trupanion, trying to budget for whether/when to do it at the vet. They tell me he's actually fine, his teeth are not excluded! Pleasantly surprised, I go ahead with the procedure. A month or so later: LOL no. Claim denied in full. Reason? Pre-existing periodontal disease. I call Trupanion and express significant displeasure. They explain, in excruciating condescending detail, how pre-existing condition exclusions work. I tell them I know this but I asked them beforehand so I could budget and they told me we were fine. I ask something about the wording of the vet record that has the prior condition on it, and they ask if I've engaged in medical fraud. (I haven't, I've told them all prior vets, I'm just sick of their jargon.) Sooo that's fun. I calm down and decide to stay with them. I understand why the exclusion was applied, it just wasn't communication well, and like I guess they have to be on guard against fraud or whatever. A year later, my cat who never had periodontal disease previously prior shows signs of it and needs extractions. I go ahead with them, confident that he, at least, is covered. HIS CLAIM IS DENIED. REASON? HE HAD TARTAR ON HIS TEETH ONCE PREVIOUSLY. TARTAR. T. A. R. T. A. R. I sign up with a local Ontario pet insurance association as soon as I can and cancel Trupanion. I inform them as to why several days beforehand and get no response (I basically tell them to hold the legalese, I understand they have the legal right to do what they did but they are terrible at what they do and I will be canceling... I guess if they can't come back at you with legalese they don't see a point in responding). Anyway, buy at your own risk. Good thing I can have tartar on my teeth and still get dental coverage. I shudder to think what this company does when your pet is actually sick.

We had to submit a follow-up claim for a surgical procedure that needed a bit of tweaking. Trupanion processed the claim quickly and with no hassle. When we first got Trupanion insurance, we were a bit hesitant, having heard bad things about pet insurance. However, after our first Berner cost us thousands of dollars for cancer treatment, we thought we should get insurance on our new Berner puppy. After researching several pet insurance compnies, reading reviews from customers, and comparing costs and coverage, we selected Trupanion. We have been happy we did, and have been completely satisfied with their service. For what it's worth, our vet also says he has heard good things about Trupanion.