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I would make sure you do your homework before signing up with Trupanion! I enrolled my puppy last April before his first birthday. I downloaded a copy of their policy and almost immediately I wanted to cancel because there is two pages of things they DON'T cover and a small paragraph of what they do cover. I called to cancel and I allowed the rep on the other end of the phone to talk me into keeping the policy; BIG MISTAKE!!! Just this past Christmas Eve my dog was attacked by another dog, it warranted me bringing him to the ER for stitches. I called Trupanion before I went there and the rep told me an accident like this would be covered. I completed the form and faxed it over the next business day after the holiday. The total of the claim was about $200. This was my first claim with them and I was impressed because I got an email rather quickly saying they were reviewing my claim. I actually thought everything was going to be smooth. About a day or two later I get an email from them saying my claim was denied because my dog is not neutered. Are you kidding me? I called and tried to have the claim appealed because my dog was not at fault and they claim they had the "Senior Underwriters" review it and there was no way they could cover this. Their logic is your pet needs to be fixed BEFORE they are a year old. This is something that was not explained to me when I signed him up about two weeks before his first birthday, and one of the questions they ask upon signin

Our 2.5 miniature dachshund had a cervical disk rupture and has been diagnosis with IVDD. We had a middle of the night emergency trip to the vet, followed by appointments with the neurologist specialists, a CT scan, surgery and over a week total in intensive care. Trupanion was really great with our claim. We were pre-approved for the surgery and all care prior. They sent the pre-approval within 12 hours which was great. All cheques were received in a week. They paid out the full 90% and there was very little deductions (consults etc). My only comment would be that if there was an option to pay slightly extra month so that Trupanion would also cover the government taxes on the total, we would go for that – as on a bill of over $10,000, taxes in British Columbia (12%) really add up. All in all, the experience was a 10 out of 10 and I can’t imagine not having the coverage as it allowed us to get the best service for our dog without worrying about the cost (who by the way, 2 weeks post surgery is 100% recovered, we are suppose to keep him very quiet for many weeks, but you can’t even tell he had major surgery). Thanks Trupanion.

The company reviewed the three claims relating to my dog's knee surgery within the timeline they had outlined during the initial customer service phone inquiry. The reimbursements were made within the timeline, and frankly, I was stunned at the simplicity of the program and the extent of the coverage. Unlike the human counterpart insurance quagmire, the process was seamless, timely, and our expectations were exceeded.

All claims were paid quickly without any issues. When I had a question customer service is terrific and very helpful. Highly recommended

Good insurance

AWSOME TURN AROUND TIME...PAID CLAIM ONE DAY AFTER SUBMITTING!!! KUDOS!

Trupanion handled this claim pretty promptly. The detail of the check was easy to understand. My suggestion is that they should have included the cost of the office visits for this claim since they were only necessary due to the accident. These were not routine wellness visits.

I filed 2 claims for my dog's gastroenteritis (which required hospitalization). It took time to get his records from the various vets that have treated him over the years. This was the first claim for this dog, so there were 4 veterinary clinics/hospitals over a period of 9 years. The first time the claim was processed, the wrong dollar figure was used---the invoice was incredibly confusing to read. I called and the customer service person was great, had the error fixed right away. I've been pleased with the customer service every time I have called or emailed with a question.

I appreciate the access you provide at Trupanion. I was told it was fine to call and check on processing all I wanted. AND...each time a PERSON answered with kind, patient help. Thank you.

I was very hesitant to get pet insurance, however, a friend has Trupanion and he had to use it and Trupanion handled it great, so I signed up. On December 15 2011 my puppy was sick. I tried to get into my regular Vet but couldn't. I took my puppy to the emergency Animal hospital and they did a quote of what they needed to do to diagnose him. The quote was almost $2000.00. I phoned Trupanion to get a quote and the office was closed. The gentleman by the name of Scott answered the call and I explained my situation. He tried the Claims line to see if anyone would answer and they did. The girl was just getting ready to go home and she (Teresa) stayed behind to help me. While I was on the phone with Teresa I told the Vet to xray my puppy to see what was going on. We found out he was full of kitty litter in his intestines. The Vet quoted me $6000.00 to operate on my puppy. Within 1/2 hour I was preappoved for #6000.00. I was so relieved. The Vet was able to give my puppy medication to get the Kitty litter moving and he was able to poop it out. If you think that is amazing I was reinbursed 5 days after the incident. Trupanion thank you for saving my puppy Chewy.