Wednesday 31st of January 2018 10:45:05 PM
READ TILL THE END TO GET A FULL PICTURE OF AN AWFUL EXPERIENCE FROM START TO END, IN ONLY 30 DAYS. "Pre-existing conditions" are hunted for from the very first pet visit. The reason you get a 30-day free trial with the "no waiting period" kicker is because that's the best opportunity for the insurer to capture as many "pre-existing conditions" as possible. Alternatively, if you go visit your vet for a regular examination, when there is nothing that is particularly worrying you, and which the vet would, by default, not have anything to make notes about, you would be able enroll on your own, take the waiting period loss, but ensure that Trupanion would not be hunting for random "pre-existing conditions" that are NOT pre-existing by any means, but are only concerns that you had as a caring parent. This is what happened to me. I went to my vet because my 3.5 month old puppy was itching (as they do), and the vet advertised the whole free trial and no waiting period marketing scheme, and I said sure, there is no harm in trying for free. Except that I was 100% wrong. Because what I went to CHECK for, preventatively, and out of care, turned out to be something that denied me of any skin related coverage FOR LIFE. The puppy is 3.5 months old. He was itching. It's ludicrous to me that this insurer took my vet's notes, discussing itching, as a pre-existing condition that warrants denying me coverage for life. On top of all of that, even if we assume that I am terribly wrong and have no idea what I'm saying, the service was horrendous. The woman talking to me on the phone was beyond unsympathetic and was telling me about how my situation was like "getting into a car accident and buying insurance after the fact", which not only shows how terrible she is at analogies, but how utterly incompetent she is at her job. To top it all off, when I told her to cancel the policy, she ended up hanging up on me. I was admittedly upset and clearly worried about my puppy, but NOTHING excuses this kind of service. NOTHING. I could have been wrong for many reasons, but nothing excuses such horrendous service. INCREDIBLY disappointing.