I had never purchased pet insurance for my previous pets and have experienced some very expensive vet bills throughout 30 years of dog ownership. I was asked to consider adopting a Yellow Lab whose owner had unexpectedly passed away and I felt that pet insurance would be a good investment. I had heard about Trupanion through PETCO. I went on line and read up on numerous plans and I felt, by far, Trupanion offered the best coverage. It didn't limit amounts for certain illnesses, etc. like the other plans and it was much easier to understand. You have $20,000 of lifetime coverage, excluding routine exam, vaccinations, and other items (like pre-existing conditions) that are clearly explained. There is a waiting period before coverage will be effective, but this is also explained (5 days accident, 30 days illness). During the second month of ownership, I noticed my dog was experiencing intermittent vomiting and a dry coat. Following bloodwork to rule out any potential cause for this problem, it was determined that he had a very low thyroid level. Once he was put on medication, they needed to re-test his thyroid in a month. I submitted my claims by fax (each invoice has to be submitted as a separate claim) and I received an e-mail confirmation from Trupanion that they had received my claim. My vet's office was contacted the next day to have his medical records faxed to Trupanion. I was also contacted to see if I had any past records from the previous owner.
Age of Pet