Trupanion - A Criminal Business Model
I've written less than 2 negative reviews in my life. Here is my second.
Their entire business model is a scam. I learned the hard way that their deductible limit is PER INCIDENT, and is not annual (like every other health insurance company out there for humans and pets). Honestly I don't even know how this is legal.
They tout that they will cover a new condition for life once you meet your deductible for that specific incident/condition, but think about it... How many of you when your dogs are young or aged 1-5 will develop a chronic condition?? How easy will it be for them to dodge coverage claiming your vet visits are all unique incidents? And for those with older pets, remember, these pet insurance companies won’t cover pre-existing conditions! What a perfect business model for profits!
My experience with them has been horrendous as I'm paying an absurd monthly premium for a high deductible plan. Whereas, with literally every other pet insurance company I've been quoted for rates less than my current monthly premium, a much lower ANNUAL deductible that IS NOT PER INCIDENT, and 90% coverage. To get the same with Trupanion would have my monthly premium near the 3-digit range FOR A PUPPY. Good grief.
My puppy has gotten himself into trouble over the last year+ as he is very energetic, playful, and curious and I'm out thousands due to the handful of vet visits I've needed. And guess what, Trupanion hasn't covered anything. Why? Because none of the unique vet visits have exceeded my deductible. It literally resets every time. If you think about it..... You can visit the vet over a dozen times for various reasons and Trupanion doesn't have to cover anything if you don't meet your deductible for that specific incident/condition. They just sit back and collect the dough.
Steer well clear of this company and their slimy business model. It is structured this way to ensure and maximize profits at the expense of actually doing what they exist to do.
- INSURER:
Trupanion
- POSTED: 08/26/2021
- BY: Farzad
- BREED: Miniature Goldendoodle
- AGE OF PET: 7 - 10
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This is a great company to have for your beloved pet.
This is a great company to have for your beloved. I would recommend this company to anyone.
- INSURER:
Trupanion
- POSTED: 08/26/2021
- BY: Marlene
- BREED: Mixed Breed Medium (20-70 Lbs)
- AGE OF PET: Over 11 years
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Top Notch Trupanion service
Ease of filing claims and Trupanion rapid response truly outstanding.
- INSURER:
Trupanion
- POSTED: 08/26/2021
- BY:
- BREED:
- AGE OF PET: 7 - 10
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They replied in a timely fashion and took care of my changes.
They replied in a timely fashion and took care of my changes.
- INSURER:
Trupanion
- POSTED: 08/26/2021
- BY:
- BREED:
- AGE OF PET: 0 - 3
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So Far So Good
Prompt updates on claim and deductible status. I haven't (thankfully needed an extensive claim so no idea how that will work. It is costly so I trust when I need it, it will be there and be worth it.
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Ease of use and VERY helpful and friendly customer service.
Ease of use and VERY helpful and friendly customer service.
- INSURER:
Trupanion
- POSTED: 08/26/2021
- BY:
- BREED:
- AGE OF PET: 0 - 3
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I have been very happy with Trupanion’s coverage and claim response time.
I have been very happy with Trupanion’s coverage and claim response time.
- INSURER:
Trupanion
- POSTED: 08/26/2021
- BY:
- BREED: Maltese
- AGE OF PET: Over 11 years
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Claim Easy to File
Veterinarian office filed the claim at check out and it was paid exactly as expected. Couldn’t have been easier. Thank you!
- INSURER:
Trupanion
- POSTED: 08/26/2021
- BY:
- BREED:
- AGE OF PET: 7 - 10
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