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Trupanion Reassesses Ailments As New Conditions to Have Deductible Applied Over and Over
If I could rate a zero, I would. I have a 14 year old flat-coated retriever that I have insured with Trupanion since she was 10 weeks old. We rarely submitted claims (and in 90% of the cases that we did, Trupanion just applied costs to the deductible and we did not receive any coverage), until our dog was 12 years old. While Trupanion states that the deductible for a given condition will be applied only once over the lifetime of the pet, that was not the case for me. My dog had a condition that appeared when she was 2 years old (we paid a deductible), when she was 4 years old (again paid a deductible) and most recently when she was 14 years old (and again had to restart the deductible). The term "chronic" condition was shared with me repeatedly. So, if you dog's condition is not chronic, but appears randomly (same symptoms, same treatment, same outcome), do not expect to be covered. Additionally, Trupanion is now delaying processing and payment of a claim for a condition that we have submitted and have covered for the last 2 years. Finally, Trupanion also increased our premium just after I submitted an appeal on the repeated deductible on a condition for which I have already paid. Please ensure that you consider other insurance providers when looking for coverage for your pet.
Insurer: Trupanion Canada
By: Susan
I filed a total of 14 claims
I filed a total of 14 claims, but they only paid out on a couple of them and only a small amount—$25 out of a $476 claim. I've been with them for two years and recently decided to cancel my policy. I pay over $125 monthly, but I've had no approved claims during this time. This is the worst pet health insurance; I wouldn’t recommend it because they don’t make any payouts!
Insurer: ASPCA
By: Amber Castro
Routine denial of claims for no legitimate reason
We adopted two kittens, brothers, at the same time, with the same completely clean medical history. They soon showed symptoms of parasites (almost certainly from the adoption facility they were in). One of their claims was approved and the other was denied, citing a "pre-existing condition". We ended up needing to spend over $10K on emergency vet services to keep our little boy alive and MetLife covered exactly none of it, due to this supposed "pre-existing condition". We would've saved more money and headache by foregoing the insurance altogether.
Insurer: MetLife
By: Jeff
My dog was experiencing severe pain and…
My dog was experiencing severe pain and after two visits to the local vet she was not getting better. We took her to a well known veterinary hospital and she stayed there for almost five days undergoing various tests and treatments. The bill was extremely high and after I submitted it to Many Pets, we did not know what refund we would receive. Needless to say, Many Pets were upfront and honest in their processing of the claims and everything was paid in accordance with the policy. We are more than satisfied with Many Pets and are most thankful that we took out the policy with them. Highly recommended.
Insurer: ManyPets
By: Selwyn Berman
Customized my pet's plan.
It was very easy to customize my pet's plans and toggle between different plans to figure out the financial side of things.
Insurer: Fetch
By: Korin Stocker
Spot insurance makes your claim fast…
Spot insurance makes your claim fast with not complications.
Insurer: Spot
By: Shirley Resende
Great Customer service
The representative. MANNY, WAS VERY good explaining the policy and he answered all my questions.
Insurer: Nationwide
By: Dyan Beyer
My puppy is 10 weeks old has a UTI
My puppy is 10 weeks old has a UTI. They’re charging me over $100 a month and are restricting anything that has to do with kidneys, bladder or anything like that into the insurance. Ridiculous
Insurer: Nationwide
By: S.E.
My premiums have gone up 252% in 7…
My premiums have gone up 252% in 7 years. That’s an average of 36% increase per year. Ridiculous. You are much better off putting that premium in an interest bearing account and self insuring.
Insurer: Trupanion
By: E M
quick and easy submission of claim.
quick and easy submission of claim.. I have never experienced any issues with claims or reimbursement.
Insurer: Embrace
By: Lisa