As I thought this company cared about pets, one has to remember that it is still a business. I insured my less than a year old puppy and added hip dysplasia insurance.
Upon bringing her to the vet for a regular checkup, my vet said that she was standing "odd". I did not think anythin of it, but my vet wanted to do an x-ray. I let him, only for him to come back letting me know she has hip dysplasia. I was shocked and did not even see this coming!
I collected all the relevant forms and followed all the instructions from the Trupanion website. I faxed everything in, just claiming the x-ray and meds. Trupanion emailed me that day notifying that they refuse to pay. There reasoning: the condition was found within the first 30 days of my insurance -- I only had two more weeks to go.
I called to see if any further coverage would be available after the 30 days and was told "no". I even explained that I did not even know and that it was not even my choice to get the x-ray done then! Trupanion still refused.
I realize that it is in their policy but there has to be an exception in some cases. I could even have the vet write a letter explaining that it was his idea and not mine, but that would still do no good.
Since Trupanion has done absolutely nothing for me, I asked for a refund for my coverage (2 months) and was refused on that as well. They just offered a $5 refund on the hip dysplasia.
To everyone out there, be wary on your policy start date and allow your pet to suffer until the 30 days is up. This is was Trupanion forces you to do.