Hidden Exclusions

Out of 10

Trupanion claims to cover 90% but the decline all hospitalization - all recheck fees (including recheck of cultures and bloodwork) and all in office tests

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Posted: 09/13/2010
By: Stacy at Trupanion

The Trupanion policy covers the costs of diagnostic testing, treatments, and medications but does not cover the examination fee. Nat, if your veterinarian found it necessary to perform blood tests in your hypothetical situation, then they would be covered so long as nothing was found to be related to a pre-existing condition.

Posted: 03/25/2010
By: Alex at Trupanion

When a claim is approved, Trupanion will cover the actual veterinary medical costs of diagnostic tests, surgeries, and medications due to an illness or accident. This would include hospitalization, and costs related to cultures, blood work, and office tests. Excluded from coverage is the exam fee which can also be called the office visit or re-check fee to name a few. If there was a misunderstanding regarding this individual claim, please give us a call at 1-800-569-7913 to discuss your situation with one of our member specialists.

Posted: 05/30/2010
By: Kim R

Deborah - What did they cover and what didn't they? The response from Alex seems like they cover everything but the vet exam?

Posted: 06/15/2010
By: Lisa

That is what I understood as well. Some doctors can give you a price that includes the rechecks if it is surgery. I mean they are happy to have the business and you just tell them ok but I do not want to pay extra for recheck unless there is some issue.

Posted: 07/08/2010
By: Mary C

Why on Earth would a follow-up (recheck) related to a diagnosed illness or surgery be excluded from coverage?

Posted: 07/29/2010
By: Nat

I wish someone could explain this more clearly.
1. If I take my pet to the vet and the vet runs some tests to look for a problem (not just a wellness visit but something seems amiss with the pet and they run blood tests/CBC panel) will Trupanion cover these blood tests? I already know they do not cover the portion of the bill that is considered the "office visit."

2. If the vet needs to run another CBC panel in, say, 3 weeks, will Trupanion cover this blood test or not? Again, I know they won't cover the 'office visit' portion--that is the fee one pays to see the veterinarian. But blood tests are different. Are these covered? (yes or no)