A Waste of Money - Go With Pet Secure Instead

2
Out of 10

Warning: Do not use Trupanion as a pet insurance company. They are pathetic. Their phone representatives are friendly, but their policies ridiculous. Nearly four years ago, my five cats and I moved from Japan to Vancouver, Canada. I enrolled the younger three with Pet Secure, and the older two with Trupanion (10 yrs old at time of enrollment) because Trupanion offered 90% coverage, and I felt that the older two would be more likely to need it. Not so. Surprisingly, I've had to file numerous large (and successful)claims for my younger cats with Pet Secure, but until recently, my two older have never needed to file a claim. After thousands of dollars of premiums and multiple phone calls and emails to Trupanion over the course of several weeks to work out the claim, my cat Emily's claim was completely denied. The reason? The vet suspected she needed to have a tooth extracted (dental is supposed to be covered), but during the surgery, it was discovered that extraction was not needed and the tooth could be fixed. So Emily kept her tooth and the claim was denied. Trupanion said it was because cleaning isn't covered, but the whole reason for Emily's care was not 'cleaning' but fixing a tooth that had previously appeared to need extraction. With the deductible, the most we could have hoped to get back was a couple hundred dollars anyways, and they made me trouble my poor Japanese vet with sending records from years ago(They make you struggle so much before they will even look at your claim. Why would you not ask for medical information at the time of enrollment rather than 4 years post-registration? After thousands of dollars of premiums and multiple phone calls and emails over the course of several weeks to work out the claim, my cat Emily's claim was completely denied. The most we could have got back was a couple hundred dollars anyways, and they made me trouble my poor Japanese vet with sending records from years ago. They tell me they don't ask for medical records at the time of enrollment to make it 'easier' for the pet parent. Yet, I spent HOURS tracking down records spanning the globe and going back nearly five years because that's what Trupanion requested. How is that easier? It worked out well for Trupanion, though. What they mean is it is "easier" for Trupanion to get people signed up and pay outrageous premiums quickly. Because you didn't ask for records up front, you got 3.5 years of premiums from me for two cats and I never suspected that I was j

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Injury/illness
Dental
Claim Amount
$500 - $1000
Breed

Mixed Breed

Age of Pet
Over 8 years

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