Initial Claim Denied

Out of 10

I recently obtained insurance for my Blue Weimeraner with great hesitation. The very first claim that I supplied to the insurance company was DECLINED. My Vet was astounded by the refusal of that company to reimburse and is discussing with his partners about removing Trupanion brochures from his office. Be very leary of this company.

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Posted: 03/25/2010

When a new dog or cat enrolls with Trupanion, the coverage is not immediate. There is a 5 day waiting period for accidents and a 30 day illness waiting period for illness coverage. Our policy is based on when the first clinical symptoms are present for an illness or accident and not when a diagnosis is made. Should your dog have shown symptoms either before the coverage was taken out or during your waiting periods, then it would be viewed as pre-existing and not covered. 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: 05/30/2010

Angela - what was the reason for decline?