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Think twice prior to signing up with Trupanion
Want to give anyone contemplating procuring Trupanion as their pet's health insurance provider. I have a Bernese/Aussie mix and joined Trupanion when he was 10 weeks old. I had lived in Andover Ma at the time. On 10/2021 my monthly bill was $41.20. My monthly bill on 5/15/25 will be 279.05. I currently live in Newmarket NH. Think about this. Health insurance for my dog through Trupanion is $3500.00 per year. The reason(s) rising costs of vet care, overall health of the insured population, inflation, the economy and due to " the introduction of new vet technologies". Whatever the rationale, it is hard for Trupanion to justify my starting monthly payment of $41.20 to $ 279.05 whatever the reason. If you do decide to go w/Trupanion, I would recommend ONLY using Veterinary Services that are utilizing Trupanion software. In the event your claim is submitted through the app or otherwise, there is ZERO chance that the claims specialist in reviewing the claim and the medical record will be able to arrive at the correct reimbursement/disposition rate. My dog had a route canal performed two years ago and is required EVERY year from the initial procedure forward to have a follow up to check the viability of the tooth, x-rays etc. While under anesthesia, I have the dentist do a cleaning. I split the date of services into 2 seperate and distinct invoices so as to no leave money on the table in Trupanion prorating reimbursement of the anesthesia @ 50% which is the norm. This year the dentist cut some of his gum that was overgrown. The bill listed as one of the services Gingivectomy, 3 minits/units @ 54.00 a minute. ($162.00 total for the 3 minutes it took while under). Despite me speaking with several intake workers and 3 Supervisors, the claim was incorrectly reviewed and paid as a Gingivectomy, starting a new deductible rather than covered services for a follow up the the route canal. I had spoke to Toni and Megan both supervisors numerous times prior to sending in the claim/invoice to try and avoid this. Now, my money will be tied up for a minimum of 6 weeks while my appeal is being reviewed. Aside from the 580.49% increase in price, my current claim/invoice as well as all of the follow-ups to be done each year will no doubt be processed incorrectly. I cannot begin to tell you the level of frustration I have. I gave 2 stars as everyone is pleasant when answering the phone. I would recommend shopping around to a number of Insurance carriers prior to signing up with Trupanion. Once you do sign up, and in the event your pet has had procedures/claims, you are stuck with Trupanion as other insurance carriers will not cover pre-existing conditions. Frank
Insurer: Trupanion
By: Frank A
Scary situation made easy
I was hoping to pay my premium and never need to use the accident/ illness insurance. But, our dog possibly ingested some bad stuff. The vet and technicians all made the situation much more manageable. If they had been worried they didn’t Let on. But they were very honest with us and put us at ease.
The person took the time to explain…
The person took the time to explain things and understood me. Was very kind and took there time with me.
Insurer: Fetch Canada
By: Shawna Hicks
Don't second guess having insurance
Enrolled both my puppies within minutes. Easy process. Thankful I did get our two puppies coverage. 2 months into our new family members being here - trip to an emergency clinic. Will never regret having this coverage.
Insurer: Trupanion
By: Wendy
Excellent process
Nothing can be easier than submitting a claim with Embrace! And, the processing of claims is super fast, with responsive, well-informed staff. Thank you for the piece of mind you give me, Embrace!
Insurer: Embrace
By: Kasia Helbin Travis
Healthy Paws is the best
For more than 8 years now, Healthy Paws has nearly felt too good to be true. It consistently pays my dog's claims, and FAST - typically within 1-2 business days. There's no doubt in my mind my dog has better insurance than I do. Every future pet of mine will be covered by Healthy Paws.
Insurer: Healthy Paws
By: Laynie
Pets Best is the Best!
Its so easy to use and has come through for us in hard times with our fur babies!
Great work!!!
Absolutely best decision I ever made was getting this insurance! Never had any issues with submitting claims and receiving reimbursements. The claims turnaround is extremely fast.
It’s so expensive and doesn’t cover…
It’s so expensive and doesn’t cover nearly enough. My one dog’s monthly rate just increased $60/month with no warning. We’re paying nearly $300/month for one dog and not even half of his last wellness visit was covered.
Insurer: Spot
By: Lauren
Filing a claim.…
The site to file a claim is very easy to use.
Insurer: Embrace
By: Glenn Macklem