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Nope.
I’d never had to file an insurance claim for my Goldens, and had been paying premiums for 7 years (since they were puppies). it was a rude awakening when I actually filed a claim for my dog’s surgery. Trupanion will nickel and dime you for everything. And they will make you jump through hoops, to make the process as difficult and discouraging as possible. 39 pages of medical records for my dog, who Trupanion has insured since she was a pup? Yes. And multiple requests from Trupanion, which I will not get into. I was literally in tears on the phone with Trupanion, worrying about my dog and feeling frustrated with your tactics. Who treats their customers like this? I love my dogs like my children and you added so much stress to an already stressful situation. After my dog had her surgery, the vet’s bill was approximately $4,778. Trupanion paid $1017. I footed the rest of the bill. You’re probably wondering… With coverage like this, what is the point of having insurance? I purchased this insurance in the event of a medical emergency or serious illness. When I needed coverage, it was a complete letdown. Having to come up with this much money (unexpectedly) when I “thought” I would be covered, with the insurance I had responsibly purchased, and have been dutifully paying. For seven years. Sadly, I only learned how little Trupanion covers, when I needed it. They do not cover ANY medical exams. If you were to bring your pet to the Emergency clinic, you will be footing the bill, for the entire exam. Also your deductible is for EACH health issue. Penny had surgery for tumor removal. $700 deductible. In addition, she needed to have dental work (during same surgery). Another $700 deductible. During the procedure, the vet cleaned Penny’s teeth. $590 for cleaning, which Trupanion does not cover. The nicest “surprise” was that Trupanion prorated the anesthesia costs, another way they could get out of covering things. Because they didn’t cover the cleaning, they deducted a third of the anesthesia costs. My dog had to be under anesthesia for the surgery. They prorated it anyway (since they don’t cover cleanings). Why? Because they are looking for a way to get out of covering expenses. Note: had I NOT had Penny’s teeth cleaned, then they would have paid for all the anesthesia. This was a convenient loophole for them, wasn’t it? Trupanion’s proration was “a small amount” according to the Trupanion Representative I spoke with. I don’t consider $940 to be a small amount, do you? I wish I had gone with another pet insurance company. One of my colleagues recommended Pet’s Best. She said the policy she chose even covers exams. Why am I mentioning this? I hope my review helps a few people choose a better insurer. Sadly, Trupanion cares more about their bottom line, than about providing comprehensive medical insurance for pets. Note to Trupanion: Yes, I am an actual customer. And no, I am not providing you with my Member number. I am certain you will “pretend” to not recognize me as a customer ( as you do with your other negative reviews.) I have spoken with your customer service representatives a number of times. Adding cutesy notes like “Give Penny and Daisy lots of hugs!” to your customer emails does not make for happy customers, when your customer experience is like this.
Insurer: Trupanion
By: Cassie Kelley
First year - worth it!
This first year with my pup has been a challenge with many unexpected trips to the vet. Spot made this a little less painful for my bank book and my pup has a perfect bill of health! It’s nice having that little safety net. Filing claims, following up and reimbursements are super easy and the process is convenient. Would definitely recommend
Insurer: Spot
By: Randi C
Positive first experience!
Prompt response and process claiming. Personal customer service experience.
Insurer: Spot
By: Nicole Babb
Communication is great (minimal wait…
Communication is great (minimal wait times to speak with someone), however a high dollar claim was balked upon multiple times. I resubmitted the same documentation for my dog’s claim (approx. $22k) each time they requested “more” documentation and they stretched it out to the last possible day (day 41). Other than that I can’t complain. Would give them 4.5 stars because of that, but unable to do so. Positive overall experience, with the understanding that high dollar claims take extra time on their side. Next time I will definitely option for the rendering of payment directly to my veterinarian clinic instead of having to put the money out up front, anticipating waiting for the 41 or 42 day maximum. Have had multiple claims in the past, lower than $1,000 that were reimbursed within 7-10 days. Knowing what I know, I still wouldn’t opt for any other pet insurance service.
Insurer: Pets Best
By: matt van dyk
It was really easy to put a claim in on…
It was really easy to put a claim in on the computer and email from them was also great
Insurer: Spot
By: Ray Chokov
First time have a puppy
First time having a puppy. It was a smooth experience.
Insurer: Embrace
By: EMEKA SMITH
The coverage is great as far as what’s…
The coverage is great as far as what’s covered . The refund went into my account quickly
Insurer: Spot
By: Lori Sessa
Amanda has been so helpful
Amanda has been so helpful. She answers all my questions patiently and clearly. I learnt so much just through one phone call. Thank you!
Insurer: Fetch
By: Izzy
Professional and Compassionate
Associate was professional and compassionate while supporting us to get the best help for our dog.
Insurer: Embrace
By: Brian Thul