Trupanion.com is a company that says their goal is to provide pet owners with peace of mind regarding the health and wellness of their cat or dog by supplying pet insurance plans.
According to their website, the cost of veterinarian visits is becoming more and more expensive each year and is becoming a problem for many pet owners. Having insurance is a way to keep your pets healthy without incurring serious expenses.
How Does It Work?
Trupanion pet insurance will cover the costs of unexpected accidents and illnesses of your pet, as long as there are no existing illnesses or injuries at the time of enrollment - these will be considered pre-existing and will not be covered.
Pet owners can simply go their website and fill out the form online or call Customer Service directly to receive a quote. The information they will require is your pet's age, breed, gender, information about where and how your pet lives, and whether they have been spayed or neutered.
Once you purchase your pet's insurance, there is a 5 day waiting period until accidents will be officially covered and a 30 day waiting period for illnesses to be officially covered.
The cost of your insurance coverage will vary depending on your responses to their questions. In addition, pet insurance plans do not make vet visits free, they simply reduce the costs of services.
Unfortunately their Terms and Conditions does not detail and Refund or Guarantee Policy. Consumers who are worried about cancelation penalties or other issues should contact Customer Service in advance of purchasing a policy.
Customer Service Contact Info
Customers who would like to contact their Customer Service team with any questions, concerns, or complaints can do so by phone at 888-733-2685, by email at [email protected], or by submitting them directly to their website.
While this company generally has positive reviews, there are some customers with older pets who say that if you insure your pet after it is already a few years old, you are likely to have problems defending how each issue your pet encounters isn't a "pre-existing condition."
Competitors and Alternatives?
There are many different providers of pet insurance plans. Besides Banfield Pet Insurance and Trupanion, customers can look to their local veterinarian who will likely carry a list of the policies they accept.
If you have any experience with this company or their products, please leave your Trupanion pet insurance reviews below.
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1 ‘Trupanion’ Review
When I first got my eight week puppy, I was thrilled, but like any new parent, perhaps a little overprotective. The first thing I did was sign up for pet insurance. I also went for the package to pay the highest premiums because I wanted the peace of mind of knowing that if anything comes up ever, my little guy would be protected.
I then decided to take my dog in to the vet, once he threw up for the first time. At the time I thought: If this turns out to be more serious, then I would pay for it since I didn't expect insurance to. Hopefully it will turn out to be nothing. The vet recommended trying different food, which worked. So ultimately it was nothing. But I was happy to act preventive since puppies are extremely vulnerable to disease and parasites at a young age.
Now fast forward a few a couple of months. My little guy gets sick and throws up. We take him to the vet where they tell me he is most likely under weather. They want to run some tests to make sure it is nothing more serious like Addison disease. They run the test, which comes back that he is completely ok, other than feeling a little sick. Afterword's his claim is rejected. My vet was surprised and said this shouldn't have been the case and offers to help us with the appeal. The appeal gets rejected, and we decide to just let it be.
Moving forward again a few months, after thanksgiving dinner, our dog gets sick again, and most likely from getting into food he shouldn't have, (Kind of hard to prevent when you have 18 people over for dinner). We take him to the vet where he was diagnosed with a bacterial infection most likely from eating food he shouldn't have. He got meds, and was sent on his way. He was still throwing up and having diarrhea 4 days later, so we took him back to vet. They wanted to be sure it wasn't anything more serious than the original diagnosis so they took a few X-Rays, and ran some other tests. It came back that everything was good, except he was still dealing with his bacterial infection, and they gave us a bit more of the same medication. Our $500 claim was then promptly rejected as his vomiting was a "Pre-existing" condition, even though it had nothing to do with what we took him in with when he was a brand new puppy.
The most troubling/frustrating part of this entire experience has not having these claims rejected. It is the fact that if something serious comes along, I can't be sure it will be covered. If he throws up at all, it most likely won't be. Insurance is supposed to be there for peace of mind. Not causing stress, and for me to throw away time and money.
The lesson anyone can learn from this is not to take their dog in for anything in their waiting period, as it will be used against you going forward in the future. Which seems like an awful lesson, as we should be paying attention to the health of the animal, and not punishing the parents or the animals for trying to do what is best.
I am truly questioning the capabilities of the team responsible for making the decisions if a claim is accepted or rejected. I have no knowledge of their experience or qualifications, and I do wonder why they are disagreeing with my vet.
Ultimately I am extremely disappointed and frustrated.