No Mention of a Wait period when you sign up

Out of 10

My pet ins expired on April 30. I called Trupanion on April 30, was told they could insure my Great Dane, they asked when my current ins expired, I told the woman it exp that day, she told me that it wasn't a problem. At no time did she say there was a delay in coverage. The next day while at a dog show there was some concern that he was bloating, the vet onsite told me to take him in to my vet asap. Fortunately he was fine, by the xrays, ultrasound all came to over $800. I submitted the claim, and it came back rejected. After several emails, ph calls with their customer svc, I gave up. Kept being told that there was a 30 day wait period and it was in the contract. Two issues - one, I spoke to the sales person and she never told me about the delay. I told her that I hadn't been without coverage on him since I got him and wanted to make sure he was covered though apparently in good health. No mention, not once, about the wait period. Two, yes, it is in the contract, but I didn't receive the contract until several days later, after the vet visit. Trupanion refused to do anything, even paritally pay for this. Several calls, emails, I gave up. Very sorry that I gave up VPI for this. I even recommended them to a friend the same I day I signed up, haven't done it again.

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Claim Amount
$500 - $1000

Great Dane

Age of Pet
1 - 8

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Posted: 12/06/2010

Read your policy lady. I read mine when it came I the first thing it states is waiting periods. Always annoys me when people don't read and them blast the company for your own mistake.

Posted: 12/14/2010

Hi Pam, I apologize for the disappointment with your first claims experience. All pet insurances have waiting periods and for Trupanion it is 5 days for accidents and 30 days for illnesses. Once those have passed, you have full coverage of 90% of the actual costs of diagnostic tests, treatments, and medications with no payout limits. Now that your waiting periods have passed, I hope that you will find your next claims experience to be a positive one.

Posted: 12/18/2010

I agree it seems reading skills are not what they used to be. I get that you may not receive a copy immediately, but who buys a policy without reading it! I compared several polices before I decided. Those that werent available online we emailed to me when I asked.

Posted: 12/20/2010

Yes, all insurance policies have waiting periods.But these waiting periods should have been mentioned when the poster was signing up. You should not have to wait for your documents to learn about waiting periods. I'm sure the poster would be much less upset if the person selling him the policy had let him know about the waiting periods to begin with. That is where the poor customer service began.