Our dog suddenly started having seizures in the middle of the night and we had to rush him to the ER. We hadn't really thought about our insurance, but just knew that we paid the monthly premium. After an overnight at the ER and $1500 later we still had no answers, but our dog was referred to a neurologist. We then proceeded with a specialist appt, follow-up to our vet, an MRI, a spinal tap, blood tests + 2 more overnight trips to the ER and medications meant for epileptic patients, all within a month.
Luckily, we are closer to a diagnosis and are now treating him as an epileptic. Without our insurance we would not have been able to afford all of these tests and would be moreso in the dark.
I have spoken with Trupanion on the phone several times and they have always been friendly and helpful. We were able to send in the claim forms right away and received payment very quickly. For example, I faxed in one form on a Friday afternoon and received a cheque on Wednesday of the next week. And the best part - no limits per claim!
My ONLY complaint is that I wish that part of the exam fees were covered as they tend to add up after awhile!