They do not reimburse

Out of 10

We have 16 month old dog who was just diagnosed with heartworm. Dogs under one year do not get tested for heartworm. Trupanion is claiming we didnt give our dog heartguard and we allowed this to happen. How are we to know if the dig was never tested prior to this? Therefore they are denying our claim. They have also denied us two other claims, one for Giardia and another for eating grapes. The grapes was supposedly a preexisting condition because she ingested gorilla glue a few months prior. Not 100% related. Three claims and three denials later we will switch back to our old carrier who never denied us. We left becasue nupanion was supposedly cheaper and covers 90%. They may be cheaper per month but not cheaper in the long run. Id rather pay a higher premium and have a lower reimbursement. TRUPANION IT TERRIBLE DO NOT USE THEM. Their customer service dept has not called me back either.

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Posted: 02/07/2010

I agree with Trupanion on the heartguard issue. The owner should have been giving preventive medication for this. veterinarians do not test for the heartworm before a certain age (puppy)as the dog is young and not exposed but the owner is told they need to give a preventive so the dog does not get heartworm in the future.

Posted: 02/21/2010

Just read that comment by Trupanion/Vetinsurance does not cover pre-existing conditions. This means we cannot insure a pet for conditions arising from a specific activity, if the same or a similar activity occurred prior to the policy effective date and displayed the propensity for the activity to recur and cause injury or illness to the pet.

Pretty broad comment there. Need a lawyer to decipher, but it sounds like if your dog got hurt in the yard playing, previous to being covered, it would not be covered for any injury occuring in the yard even after puchasing coverage, since, using your words, the propesity to re occur exists?


Posted: 07/01/2012

WOW the insurer reply seems like a copout on the heartworm! IMO, unless the complainants veterinarian specically recommended that preventative medication, it is bsto be denied because it is "reccomended by veterinarians". It is in effect saying they should have used it because some vets recommended, even if their own vet did not!!! I was looking baci to consider switching from Petplan to Trupanion (no complaints, just interested as reimbursements are accross the board insteaed of based on specialist or regular vet, and no annual limits) but after seeing the insurer's response to the heartworm... No way!!!

Posted: 10/07/2009

Trupanion/Vetinsurance does not cover pre-existing conditions. This means we cannot insure a pet for conditions arising from a specific activity, if the same or a similar activity occurred prior to the policy effective date and displayed the propensity for the activity to recur and cause injury or illness to the pet. In this case, it appears the pet had a veterinary record which contained multiple counts of foreign object ingestion. Regarding heartworm (or other preventable conditions) we also ask that our policyholders provide preventative medications and vaccinations as recommended by their veterinarian. For example, Heartguard, as recommended by veterinarians, is one way pet owners may help prevent heartworm, just as Frontline or other medication may help prevent fleas. As always, we do allow policyholders to dispute a denied claim if they feel it should be covered under our policy conditions.

Posted: 02/01/2010

On the trupanion website, the only thing that is listed as "what we do not cover" is pre existing conditions and hip dyplasia- I don't see anywhere that you don't cover things that are preventable. Maybe you should update your information, but that makes me wonder, are there even more things that aren't stated on your website but are part of your rules?

Posted: 05/14/2010

Your vet is to blame, not the insurance company. I don't even have Trupanion, (no, I don't work for them or know anybody who works for them, either-I'm just researching) and I can tell you that. Dogs should start being tested for heartworms when they are 6 MONTHS old, not 1 year old! I imagine your vet also put your dog through dangerous, potentially deadly treatment for heartworms, as well. They had figured out way back in 2001 that you could treat heartworms with heartworm preventative medication. When a Tibetan Spaniel/mix jumped into mix lap when I opened my car door at a gas station, I took her to the emergency vet, I didn't want to bring her home, because she had no hair above her tail and was worried she might have mange, which I didn't want my mother's dogs to catch. It turned out she didn't have mange, but she was did have heartworms and a uterus infection so severe she had to be spayed immediately. She was so sick she couldn't be given the standard heartworm treatment. I ended up finding her owners. When I asked her if they had her on heartworm medication, they told me they didn't know she had heartworms! Needless to say I didn't want to give her back and ended up buying her. I can't remember exactly how long it took, but I know it was quickly enough that she suffered no permanent damage, she was heartworm free-all at the same cost as the regular heartworm preventatives I would have been giving her anyways! She is still alive, happy, and other than a thyroid problem, (and a snore that sounds like a bulldozer-who knew such a big sound could come from such a little body) healthy, and most definitely heartworm free!

Posted: 06/09/2010

actually Laine, the owner is to blame. I work at a veterinary clinic, and the reason we do not test puppies for heartworms is because once an animal has been bitten by a mosquito carrying the heartworm larvae, it takes 2-3 months to reach the heart depending where on the body that the dog was most people receive a puppy at about 8 weeks old, thus when they bring the puppy to us we start them on heartworm prevention right away. Note that i say "prevention" because the way the medication works is it protects the pet for the past 30 if a pet was bitten by an infected mosquito on the 15th of may and you give the heartworm prevention pill on the first of every month, then by giving it on the first of june the medication will kill any heartworm larvae before it reaches the it was indeed the owner's fault. There is only so much we can do/recommend, once the owner leaves our clinic it is their responsibility to remember to give their pet prevention and any other recommended/prescribed medications.