Might not be worth it

Out of 10

My cat's claim was denied because his file said he'd vomited a couple times in the past. What animal doesn't vomit at some point in 9 years? That's hardly the same thing as vomiting repeatedly for days in a row, requiring x rays, multiple blood tests, and medications. Unless you insure your healthy pet at birth, it might not be worth it. Your dog was hit by a car and broke his leg? Well, it says here that 5 years ago he tore a dew claw so that leg's not covered. Your dog has pleurisy? Well, she was panting during an exam 10 years ago so that's not covered. She obviously had lung issues then. Cat's developed diabetes? Well, he was apparently a bit overweight at one point so we aren't going to cover that. Any animal that hasn't had a major illness can still be construed as having pre-existing symptoms for just about everything at some point.
I'm saying yes for recommending this company to other pet owners, but it's very conditional. Get the insurance at your puppy/kitten's first exam. Maybe then they'd actually be covered.

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Claim Amount
$500 - $1000

Domestic Shorthair

Age of Pet
Over 8 years

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Posted: 10/05/2010

To help clear up any confusion, under the Trupanion pet health insurance policy, if a pet is symptom free of a condition for the 18 months prior to enrollment, then it would not be considered a pre-existing condition. However, this wasn’t the case with your cat. Unfortunately, the records indicate symptoms were present in the last few months directly prior to enrollment, and have continued from that point forward. As this appears to have been an ongoing issue that began before your pets coverage, it is a pre-existing illness. If you have questions or would like to learn how to appeal your claim, please give us a call at 800-569-7913.

Posted: 10/14/2010

I agree with this review. From my experience with Trupanion, it seems that they try to find every reason to deny your claim. Vomiting is normal unless if it's severe enough to be diagnosed, which it hasn't been until the claim was submitted. Consider Trupanion only if your dog has NEVER been to the vet. Otherwise, they'll quote every single thing you reported to your vet including incidents when your pet had indigestion and ate grass to vomit 2 years ago but the vet had never diagnosed it as a severe illness.

Posted: 10/16/2010

This thread is interesting. Obviously some people don't understand the concept of insurance. It's there to protect against things that might happen in the future, not to cover problems that already exist. I've never had an issue with Trupanion, my claims have all been paid quickly and the people at the office have been wonderful to deal with. Kudos to them to helping me save my cat's life!

Posted: 11/25/2010

Question for Stacy at Trupanion: why isn't pre-existing illnesses listed as exclusions on the individual policy at time of issue? If the time horizon considered is 18 months prior to enrollment, does Trupanion not request medical charts from the veterinarian for 18 months back, at the time of enrollment? It doesn't sound fair that a pet parent could possibly unknowingly pay for premiums for years until a claim arises, only to learn much later that claim is denied for a pre-existing condition.