Not worth it unless if you have a puppy

Out of 10

I purchased Trupanion for my 8 year old dog because the company said that it would accept pets that have preexisting conditions but would not cover expenses related to those illnesses. The guidelines were pretty clear - any expenses related to the illness that was found before purchasing the insurance plan will not be covered. However, to my dismay, it seems that Trupanion evaluates every nitty gritty detail in order to deny your claims for any future illnesses that may incur. For example, my dog had to be rushed to the ER because he was vomiting and lethargic. As a result, he was diagnosed with Pancreatitis. Trupanion got back to me and sent me a letter that copied and pasted every comment starting from 2 years back when I informed my vet of incidents when he had indigestion and vomited. They said that those were "preexisting symptoms" that led up to my dog's illness 2 years later. Note, the vet never found any kind of stomach related illnesses until recently when I submitted the claim. Another problem I have with Trupanion is that they try to find any reason to deny your claim. For example, they approved one claim when my dog caught a cold from another dog, but when I submitted 2 more claims for the same illness, they denied them because "it was related to his preexisting condition." Seriously, I am on the fence about canceling my account with them right now. It makes no sense for me to continue purchasing Trupanion's service if they are not going to provide me any.

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Claim Amount
Over $1000


Age of Pet
1 - 8

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Posted: 03/28/2011

Hi Kim,Did you ever get paid on this claim? From what you wrote it seems you should have been. I am thinking about changing from vpi to trupanion but if they use some stomach upset from when the dog was apippy to keep from paying out then I will not use them, please let me know.

Posted: 10/19/2010

Hi Kim, we appreciate your feedback on your recent claim experience. You are correct that Trupanion does not cover conditions that have shown to be present prior to having full coverage or new illnesses that are related to a pre-existing condition. If you and your veterinarian believe that the conditions were unrelated, you can have your veterinarian write us a letter stating so as there is a claims appeal process. Please give us a call to discuss your options directly with your claims adjuster at 800-569-7913.