Not very happy, with our Ins.

Out of 10

We have had Trupanion Dog pet insurance, for about one year. As stated above we are not happy, and we are considering changing Ins. company's. We have filed about six clams and they have only paid for two. They state that our dog had a preexisting ear infection, that is true but it was almost nine months ago. I ask them if they where going to do this for ever, after all it was a long time ago, and they stated if it was preexisting yes. So be very care full if your animal has a preexisting problem.

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Ear Problem

Claim Amount
$100 - $500


Age of Pet
1 - 8

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Posted: 09/09/2010

I was personally told over the phone when I signed up that my puppy's ear infection would be reviewed after 6 months, and if it didn't reappear, it would no longer be pre-existing. Is this not true?

Posted: 09/14/2010

Chas - Any injury or illness that has shown symptoms prior to enrollment but has not shown subsequent symptoms for a period of 18 months may be eligible for coverage pending a review of the pet’s history.

Posted: 07/15/2010

Neither Trupanion nor any other pet insurance company in the US or Canada covers the costs to treat a pre-existing condition or conditions related to pre-existing symptoms. We do have a third party independent review process in case you believe your claim was incorrectly processed. Call us to discuss your options.

Posted: 07/29/2010

The thing most consumers don't understand is that if your pet has *anything* happen or anything goes wrong before you are fully covered by pet insurance...and I mean anything...could be an ear infection or a UTI or a wart on a paw or they ate something bad, that becomes a 'pre-existing condition' and that illness or injury will be excluded for the life of your pet.
The only way to ensure you are fully covered is to make sure you start pet insurance the moment you get your new puppy AND make sure that puppy is 100% healthy, with no defects or any medical issues. If your vet notices anything amiss during your puppy's crucial first exam, then guess what? That 'something' becomes a 'pre-existing condition' as far as pet insurance companies are concerned and that particular condition and anything that can be related to it will never be covered by any company. This is the 'out' all insurance companies use to keep their claim payout costs as low as possible.