Trupanion | Pet Insurance Review

I adopted my cat from a shelter a year ago. She was underweight and I wanted to make sure she was ok, so took her straight to the vet. The vet wanted to do bloodwork due to her weight, and kept her overnight. While there, after being taken from a shelter to a new cage, and fed different food, she vomited a bit of the new food. Bloodwork and a urinalysis ruled out the beginnings of kidney disease (this is noted on her records as ruled out), and she was deemed fine, just thin. I got insurance through Trupanion, after much research, right after I'd adopted her, but it didn't kick in for the 30 days, so didn't cover her original visit, which I knew. After she came home, she had a couple of instances of vomiting (she is, after all, a cat), once from eating what seemed to be a bad can of food, once from eating some hair and throwing it right back up, etc. As I was a new pet parent, worried about her, I called the clinic to ask about these things. The clinic noted that I'd called and for what in her file. This year, she was seen for constipation and blood and urinalysis determined she did have kidney disease. I put in claims for this visit and the special food she's now on. These claims were all denied because of... vomiting. She was not vomiting before the visit that ended up diagnosing her, and previously, kidney disease had been ruled out. When I was on the phone with the claims rep meant to explain this seeming discrepancy to me, she said that they'd denied the claim because it was a preexisting condition - despite the bloodwork and urinalysis ruling it out previously, because she had previously vomited, which can be a symptom of kidney disease. The woman said that if I could provide medical evidence that the kidney disease was not preexisting, they'd reconsider. I pointed out that it would seem blood and urine tests ruling out kidney disease were medical evidence. But, I was told, there was vomiting! I asked if vomiting was somehow the definitive marker for kidney disease, even when clinical testing ruled it out. Oh, that's not what she was saying, she assured me, but my cat had vomited even after I'd gotten insurance. Yes, so? "That shows the disease was progressing." The... disease that was clinically ruled out? The one she didn't have? It was progressing? Yes, I was told. I asked, if I had a fever, and was checked for Ebola, and the clinical test for it came back negative, and I was shown to have no Ebola virus in my bloo

Hello, I just read through some of the reviews for Trupanion and I can't believe anyone would have anything but great things to say about this company. My experience has been 100% positive. I read a couple of the negative reviews that Trupanion didn't pay for hardly anything. What I tell people is, don't wait until your pet has a condition. Get the insurance just in cast. When I share my story I am amazed when people say I will wait until my pet is older. Big mistake, it's a gamble because animals get sick when they are young also. I just got lucky because I signed up when my dog was completely healthy with no health issues and he was older. I was in Pet Food Express in Mill Valley, CA and one of the staff recommended pet insurance for my 10 year old Doberman. Hugh was in excellent health and I could not for see him ever having any health issues however, I wanted to make sure if he did I could give him the very best care without worrying about the cost of care. If you are looking for pet insurance I can't say enough great things about Trupanion. Trupanion reimbursed $30,867 in less than a year for my 12 year old Doberman Hugh. My deductible was $500 and they paid 90% after the deductible with no limit. The service is also amazing. Each time I called, I have had a very friendly healthful representative. The company is made up of animal lovers. I signed up with Trupanion on July 10th, 2012. Hugh was diagnosed with an Osteosarcoma (bone cancer in his back leg) August 12th, 2013. I scheduled surgery with an orthopedic surgeon in San Francisco. They amputated his leg August 14th. Trupanion called right after the surgery to ask, how's Hugh doing? Not once was the amount of his care brought up. They were genuinely concerned about how he was doing. The bills for the week of surgery were over $9000 and then they continued because I had to act fast because they gave him less than 6 months to live if I did not do chemo. Even though Trupanion would pay for chemo which is very expensive, I did not want to go this route for treatment. I choose to treat Hugh holistically and Trupanion paid for all the holistic care and supplements that the vet prescribed. After a few weeks of recovery I put him into rehab. Hydro therapy, Acupuncture and Chiropractic. Trupanion paid 90% of all his therapy because, I had purchased the additional rider. Hugh had an amazing year but, the cancer finally caught with him July 25th, 2014. Thanks t

Great insurance. Claims handled promptly and payment received quickly. I was not sure about getting the insurance, but decided I'd try it for several months. Really glad I did. I stepped on my mini doxie who we had just adopted 2 weeks earlier and she ended up with a small fracture of the shoulder. Conservative treatment (crate rest) was recommended, but Trupanion would also have covered 90% of the surgery cost (surgery would have been $2,200), if it had been needed. As it was, they covered most of the emergency vet visit and her medication. Sally is doing very well and has healed completely! I'm keeping the insurance!

Our Maine Coon cat, Milo, had to have 2 teeth extracted due to a broken molar and cervical neck lesion. We have been a Tripanion policy holder for 5 years and this is the first time we have had to file a claim. We were very impressed that Trupanion processed the claim the day after the teeth were extracted. We have 2 Maine Coon cats and it is very reassuring to know that Trupanion is there should our cats have an illness or accident.

Trupanion is simply superb! Out of the blue my 5-year-old cat was diagnosed with feline diabetes, just 33 days after his policy began. He spent three scary days in a New York City ICU, and his (very substantial) medical bills were reimbursed exactly as promised and with no fuss. I have been busy singing your praises and advising friends to insure their pets. Trupanion gets an A+ all around! I thank you from the bottom of my heart for being there when my cat and I needed you!(Can I increase your overall rating to 11?)