Think Twice about Trupanion

Out of 10

I started my pet insurance with Trupanion last year, and found it absolutely amazing until my dog started to become more ill. The policy states that if a dog needs to be on a therapeutic/prescription food diet for life I will be eligible for a discount on my premium. The day my dog was diagnosed with Crystals the doctor told me the ONLY treatment is to dissolve the crystals with Hills C/D bladder health diet, therefore this is a diet he needs to be on for LIFE. The DAY AFTER I submitted my claim, they changed my policy to remove the eligible discount on my premium, and then they UP'D my premium $5. I was furious. I contacted two employees and spoke to a supervisor, and they both told me it was "inconvenient" and there is nothing they can do. The fact that I submitted my claim before they changed my policy, you would think it would be appropriate to HONOR the old policy! There was no notice of what changes were about to become affective in my "new" policy. They did not hesitate to take the "new" premium price out of my bank account, I only had a few days notice that I was about to pay a higher fee. I am extremely unsatisfied with Trupanion! This company is known to "not increase premiums due to claim submission amounts" but this is exactly why they increased my premium. I know for a fact that the Veterinary Hospitals within my city did not put up there prices because I WORK FOR THE MAJORITY OF THEM. Think Twice before getting Trupantion.

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Claim Amount
Under $100

Mixed Breed

Age of Pet
1 - 8

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Posted: 05/02/2015

Hello Felicia,
Thank you for your feedback, and we apologize for the poor experience you've had. While I understand the removal of our food coverage is frustrating, please note that the decision to discontinue coverage was not due to your individual circumstances, even if it must appear that way. We do require to re-evaluate premium adjustments on an annual basis, based on the costs of veterinary care. This does not necessarily mean your clinic costs have gone up, just that the cost of treating pets, depending on several factors, has gone up overall.

Please let us know if there's anything else we can help answer or assist with. We truly hope the best for you and your pet.

Best regards,