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23,240 Payment Experience 104,197 Claim Coverage 122,532 Customer Service 37,717 Price Satisfaction 14,626 Other

November 06, 2020

So far I'm happy but waiting to see how everything goes.

Insurer: Trupanion

By: Tammy

Useful

November 06, 2020

So far its been a bit of an expense for us but I'd like to evaluate your review of this most recent submission.

So far its been a bit of an expense for us, but I'd like to evaluate your review of this most recent submission. I am about to get another dog. As a veterinarian who knows how expensive our vet bills are (even as vets). I feel reassured to have this safety net.

Insurer: Trupanion

By: Jennifer

Useful

November 06, 2020

Terrible coverage pay way too much for absolutely no coverage considering they will claim everything pertains to a pre-existing condition.

Terrible coverage, pay way too much for absolutely no coverage considering they will claim everything pertains to a pre-existing condition. My dog swallowed a tack once when he was a 5 month old puppy, has not had a "recurrent" pattern of this. He is now 2 years old and has not done anything like this since < 6 months old. Yet, when he was taken to an emergency vet for concern for gastric volvulus due to hacking, X-rays were obtained in workup and after 750 dollar workup was determined he just had kennel cough. These charges were denied due to "pre-existing condition" of foreign object ingestion as a puppy. Now I am in the process of a length appeal due to Trupanion's inability to handle any claim in a timely manner, in conjunction with their negligence to provide care for an animal on a condition utterly and completely unrelated to ingestion of a foreign material. The treating veterinarian has even said they obtained the imaging to rule out gastric volvulus, with ingestion of foreign material extremely low on the differential diagnosis. Trupanion simply tries to skirt out of any possible reimbursement. This is not new to us, unfortunately. As a puppy, our dog became very ill, was later diagnosed with SRMA (steroid responsive meningitis arteritis) after a nearly 7k workup. This all occurred on day 28 of our policy with Trupanion, despite having coverage with AKC insurance before for the first month we had him. Thus, we never had a lapse in insurance coverage however due to Trupanion's stringest 30day preexisting condition policy, all charges were denied. Honestly, I don't even know why we pay the outrageous fee every month to have zero coverage when it has really mattered in the past. We will be switching insurance shortly, in the process of searching better alternatives.

Insurer: Trupanion

By: Gabrielle

Useful