Out of 10

Vet recommended 2 procedures,the 3rd one was required (spay)by trupanion for future coverage in case of future tumors,this is my bill:Condition: Extract retained deciduous teeth, OVH, dewclaw surgery removal.
financial Summary:
Total Claim Request $852.92
Eligible Costs$304.55
Deductible Applied-$100.00
Total Claim Paid (90% coverage)$184.09.
It's better than nothing but not as good as they "Advertise". One more refund like this and i'm giving Petplan a call.

Did you find this review helpful?
needed care
Claim Amount
$500 - $1000

Yorkshire Terrier

Age of Pet
Under a year

Leave a comment

Enter the characters shown in the image.
Posted: 07/24/2012

Hey Lorena-
Firstly, I am very sorry you've had a less-than-stellar experience with us so far. We try to make all of our exclusions as clear as possible so people know exactly what won't be covered before they ever have to file a claim.

To clarify for you: our policy does directly exclude all exam fees and routine or preventative care. This means things like spay/neuters, vaccines, and dental cleanings are never eligible under our plan. When you crunch the numbers on a plan that does cover these things you'll find that it makes much more sense financially for you to pay that money directly to your vet rather than going through a third party like an insurance company.

As far as the dewclaw surgery goes, elective procedures are a very universal exclusion in the pet insurance industry. When a vet feels that it is medically necessary for dewclaws to be removed the procedure can potentially be claimable. In your particular case, nothing in the medical records stated or implied that this was a necessary procedure. If you and your vet do feel that the dewclaw removal was medically necessary, please have your vet submit a letter explaining that. Once this letter is received, we're more than happy to re-review the claim for those expenses.

If you'd like to review your claim or coverage in more detail, I'd be happy to personally discuss with you. You can call me at 1-800-569-7913, direct extension 5864.

Posted: 08/11/2012

Seams like at least you got some service from this outfit, much better than I did, they told me that I did not even exist after they found out that my dog needed surgery.

Posted: 04/19/2014

1: read the policy 2: removing a dew claw is not necessary unless it's a rare case of infection or something like that. It's an elective procedure. Cosmetic surgery, in other words.