Trupanion | Pet Insurance Review

Was recommended to trupanion by my vet for a blind cat I had rescued. I brought the cat in 3 Days after I found him for a general wellness visit and was given a free thirty days which i then continued with. Thank goodness I only paid for a few months of coverage before an issue arose. Brought the cat in about 2 months after the policy started for straining to urinate. Claim was denied stating that it was considered a preexisting condition. This was due to a note that the vet tech had mistakenly put in my notes during the wellness visit saying that I had brought the cat into another clinic for the same issue over a MONTH prior to the wellness exam. I didn't even have the cat a month ago!! When I explained the mistake in the notes to the vet and the review team at trupanion they said there was nothing that could be done since it was now an "official part of his records". When i questioned that they would allow FALSE information to remain in a record by an unlicensed vet technician, and what if it had said that he was part rabbit? Would they also allow THAT to remain? They said it would be the same situation! Also any issues that COULD be deemed related to a possible uti in the next 18 months would now also be considered prexisting! Luckily I scraped enough money up to cover his treatment but I then went to cancel the policy....it took 72 hours to get a callback by a person who could cancel the policy. I then had to respond to an email writing I hadn't "changed my mind" and still wanted to cancel. I did it. I was supposed to get almost a whole month reimbursed as it had just charged me the $42 for the next month. I thought the next thing I would hear from trupanion was that the refund had posted. Wrong. I got an email saying they were trying to charge me another month and that my payment info needed to be updated! Spoke with a rep who offered to back date it to my original cancel date citing "spam filters" and that they never received my confirmation of cancellation email. So I did what he asked and sent another email to the address he provided. Got a confirmation Of cancelation for almost a month AFTER my cancel date. Bye bye refund??? Called back and was told by a different rep that if I couldn't provide PROOF that i had responded to them in the first cancellation confirmation email that there was nothing they were willing to do. Asked to speak to a manager and of course none was available so I'm waiting to get a call back...... All I've heard are horror stories about this company which with what I experienced first hand I can only believe are true. I can only be thankful I'm not one of the people who've paid in for years only to have this company find a way to leave them desperate with a sick pet and a pile of claim denials. What this company is doing to people trying to protect their pets is attrocious.

I have had Trupanion pet insurance since my cat was 8 and she is now 17. It has more than paid off to have coverage for my kitty. As she is now a very senior cat, she has had some health troubles. I would not have been able to afford her medical care without Trupanion. Having Trupanion has literally saved her life. The claims process is quick and super simple. I have never been denied coverage for the procedures and medications covered by Trupanion. I find that the company is honest and fair and feel that it truly has my cat's best interest in mind in making coverage decisions. Getting this coverage for my cat was the best thing I have ever done for her and her health. I am extremely happy with Trupanion and cannot recommend it more highly.

Over the years, we have insured three dogs with Trupanion. We are fortunate that they have been with us a long time, with that comes expensive vet bills. Fortunately, the claims process is painless, communications are clear, and pricing is fair. I wish they insured humans, too!

Sent claims in and they were reviewed, email was sent back saying that the claims wer paid, very quick turnaround!!

Great experience dealing with Trupanion. They covered about 350 of my 800+ invoice (I am aware they do not pay for exam fee and of course there was a one time deductible) and it was a great relief to know some part of my vet’s bill would be covered by insurance. They did not try to avoid paying claim by making up something which is my general view that insurance companies are always keen on doing. So, I am happy that I made the decision to get pet insurance, especially Trupanion.