Trupanion's web site and their phone representatives leave off what I think is critical information about their coverage. The Web site, in more than one location makes a point of saying it's important for the consumer to know what is not covered by the policy, and then it lists a few things. However, when I filed a claim for physical therapy for an injury my dog sustained, they refused to pay it saying I needed to have purchased additional coverage for that.
I checked the Web site again and my notes from when I bought the policy. The person I spoke with said hip dysplasia was not covered but she never mentioned anything else. On the Web, in the section where it allows you to compare Trupanion coverage with that of other companies, it has long lists of things not covered by the others but only two things listed for Trupanion -- hip dysplasia and pre-existing conditions.
Why don't they list all the things they don't cover? One woman I spoke with told me that "Well, then, the insurance wouldn't be very appealing." I'm sure she was not supposed to say that, and she soon passed me on to her supervisor who kept insisting "We're not trying to hide anything." Don't believe it. I am reporting them to our state's consumer protection agency.