Saturday 23rd of July 2016 12:43:49 PM
My experience with Trupanion has been quite different from many of the reviewers on this site. We got insurance for our dog when he was just a few months old. He's now almost 7 years old. Our deductible per condition is $200, with Trupanion paying 90% of care costs after the deductible is met, and our monthly premium is ~$45.During our ~6-7 years with the company, we have filed claims on two conditions: the first to do with a limping issue (a chronic condition for the past several years), the second with a broken tooth. In both cases, Trupanion has responded quickly to our claims and interpreted our invoices fairly, even generously. (I recently called them because I thought they were paying us *too* much for a claim, but their rep explained how they had intentionally interpreted the claim to our advantage.) My experiences with customer service reps have also been very positive — when our dog was suffering from his limp and we were worried he would need surgery, one phone rep even sent him a care package.Some things for potential consumers to note: 1) Trupanion's business model favors customers who enroll their pets in puppyhood, since preexisting conditions are not covered. We are fortunate because our vet urged us to sign up when our dog was very young. Our experience may be less positive had we signed him up later. 2) They also charge more for coverage of certain issues common to your dog's breed. For example, our monthly premium would be $35 ($10 less), but it also includes coverage for hip issues common to my dog's breed.3) Their deductibles apply to each specific condition, for the life of your pet, rather than to a given calendar year. This means that each new condition you claim gets its own deductible, but that once that deductible is met, they will pay 90% (or whatever % you've chosen in your plan) of treatment for that condition for the rest of your pet's life. This might hurt folks whose animals suffer many one-time conditions, but it's helpful for chronic conditions. 4) Office visit/consultation fees are not covered, nor is preventative care.Of these four things, the only one that wasn't made clear to me before I signed up for the insurance was that office visit fees weren't covered. (And by this I mean the base fee you are charged for the exam — services tests administered *during* the exam, such as blood tests & X-rays, have in our experience been covered.) The other three conditions may or may not be ideal, but they were clear to me when I signed up. So the model has pros and cons, but, in our experiences thus far, Trupanion's service has met, and sometimes exceeded, our expectations, based upon what we knew about it when we signed up.