1
out of 5
POSTED: | BY: Kim
Denied coverage on a puppy with little history!
Here I am sad on Xmas as TRUPANION has denied my puppy an MRI to diagnose him with a potential illness. Merry Xmas All! I have, as well as a family lawyer reviewed our TRUPANION contract signed and went thoroughly over TRUPANIONs wording and compared it to my dogs history and it does not add up to a denial claim. TRUPANION requested all notes from our vet. As my puppy has very limited history, Trupanion had to find anything- anything at all to deny his important MRI. TRUPANION found a note from my vet stating that the owner (me) asked about a behavior I was concerned about. THAT WAS IT!! Absolutely Nothing was ever diagnosed by my vet. That behavior is NOT even the reason I'm getting the MRI but somehow TRUPANION trIED to link it not to pay! This was only A question I had for the vet, a hypochondriac mother with NO MEDICAL BACKGROUND was enough for an insurance company to deny me coverage. I can't believe I was about to add my other dog to this coverage😦 Even the Vet who wrote the note said it was really strange way to deny and that he wants to talk to them personally! I am vigorously fighting this denial. My point is, PLEASE EVERYONE BE VERY WEARY of TRUPANION. They will find any loop hole, they will find any note, even not a diagnosis to consider it a diagnosis just so YOU have to pay. What is the point of insurance I ask? I am broken hearted on Xmas. My poor puppy is not a year old and insurance is now dictating his entire livelihood & future care he hasn't even made it to a year old! . What is this? No Good faith in TRUPANION ? I was very scared to get pet insurance due to all the horror stories and the insurance manager promised me that what I've heard would not come true. My intuition is right unfortunately. If anyone has any questions you can contact me any time I would love to add more details to this story. Yes, I will be seeking counsel as counsel has expressed to me this is a very good case if they don't reverse this claim. I have to, I have to stand up for big insurance companies Who bully that don't have our puppies best interest at heart. The little guy will fight.