I filed several claims with Trupanion. 1st was emergency for diarrhea and vomiting. They didn't pay because fecal test was negative for giadia and giardia was mentioned as possible cause($410.00). 2nd was for a few blood tests and Vet. visit to rule out hypothyroidism ($327.00). Again, they paid nothing. 3rd was for retained deciduous teeth which they said was covered prior to the Vet. visit and surgery ($1300.00). After I sent in the claim, they said it wouldn't be covered because it was a pre-existing condition even though I got the puppy at 10 weeks old with all the baby teeth in their proper positions.
After calling Trupanion to discuss these problems, all I received was a rehash of the reasons why they would not pay any of the claims.
They only thing that was done correctly was the refund for a partial month's payment after cancelling the policy and switching to Purina Care. I have had absolutely no problems with Purina Care.