Third set of claims Refused

Out of 10

I have had Trupanion for almost 2 years. My labrador Boson had hot spots prior to the insurance. Boson also has had a mass on his leg recently that was biopsied and needs to be removed. I submitted claims for the biopsy and two other claims but all three were refused. According to their "experts" the mass on his leg was a precondition of the hot spots. They also raised my rate last year. I am through with these crooks. I suspect that if Boson got out and got hit by a car and needed surgery, they would deny it saying it was related to his previous hotspots. This insurance is total CRAP. Don't waste your money. Put the premiums you would pay into a savings account and you will be ahead.

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mass on leg
Claim Amount
$100 - $500

Labrador Retriever

Age of Pet
1 - 8

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Posted: 05/28/2016

I fully agree with your comments. I am having the same type of claim issues with my cat which were denied the same day as diagnosis. They seem to be saying everything is a "pre-condition" without having all the facts. I will take civil action against them if my appeal is denied. Someone has to take a stand and make things right.

Posted: 12/15/2016

I agree! I am very unhappy. I started my policy 2 years ago and every single year my rates have gone up $5, even though I have never had anything reimbursed!
When my dog developed a bad rash on his undercarriage I did submit a claim. I did not expect them to pay it because it was far less than my deductible, but I wanted the issue on record in case it became something more serious.

They DENIED it because he had broken out in hives once, a year before I started the policy. Apparently all "allergic" reactions are related? And tough luck because any inflammation that the vet doesn't do extensive tests on is going to be classified as "allergic".

Screw this company. They suck.