Trupanion Insurance

[Discussing Labradoodles & Goldendoodles]

Has anyone heard of this insurance company?

Hi Roberta, Wow – I have something very special to share with you. I love pet insurance in general and I've seen it save many pets lives by allowing pet owners to do the best for their pet.  And recently - I was made aware of a company with an excellent value proposition. A while back, I spent a lot of time trying to compare pet insurance companies. I don't know if you have ever done that based on your car or health insurance, but it is extremely difficult. What this company covers, doesn't cover, limits, what they will reimburse, etc. It's really difficult. I have pages of notes, started to make a table, but for the most part companies make it nearly impossible to compare and figure out.  I'm very excited to make this available to you – it is a pet insurance company called Trupanion. What I really like about Trupanion is what they cover and how easy to understand their coverage really is.  Here are 7 key things I love about Trupanion: Trupanion offers an easy, simple, customizable pet insurance policy and the best value in the industry with 90% coverage for the actual costs of diagnostic tests, surgeries, medications, hospital stays, and alternative and physical therapies for the treatment of accidents or illnesses.  Pet owners can choose any veterinarian, including emergency veterinary clinics and veterinary specialists. Trupanion offers unlimited coverage with no payout limits per claim, per year, or over the lifetime of your pet. This protects hard-earned savings and takes the stress and concern for cost out of the decision when confirming best care treatments with your veterinarian. Trupanion covers dogs and cats between the age of 8 weeks and 14 years old. Coverage for therapeutic pet foods, nutritional supplements, orthotics, and mobility devices is also included under Trupanion's core policy. Trupanion covers congenital and hereditary conditions, or those conditions that are inherited genetically. Most pet insurance providers put limits on, or completely exclude these conditions.  Trupanion customers are reimbursed based on the actual veterinary bill.  You don't get tangled up in a complex benefits schedule or run up against fixed payout limits when making claims. Go to http://trupanion.com to get a FREE quote and learn what they have to offer. Their policies are simple and what you see is what you get.  Until next time,  Dr. Jon

[Ron Carnes]

Very interesting. I like that the premium will not increase due to age and that, the way I read it, there is only one lifetime deductable. I should have purchased insurance on Zack before he developed allergies. That is a large expense and none seem to cover pre existing conditions even after a period of time.

[Cyndi, The Boys & Callie]

I have insurance with Trupanion for both boys and have since we got them last year.  I did a lot of research and liked that their pre-existing clause was what I considered "normal".  With some, it reset every year.  You had a condition one year, treatment the following year was considered pre-existing.  That is beyond dumb.  There is no annual limit. Hip dysplasia and alternative therapies are excluded from coverage unless you add them.  I did and it was like $5.00 a month.  They pay 90% of treatment meaning they do not pay for the office visit but do the treatment (x-rays, meds, etc).  There is a one page form that you send in with every bill.  We've only had one issue and, after the vet wrote a "you've got to be kidding me letter", they called me to apologize for the misunderstanding.  Said the person who told me it was needed was new and it would never happen again.  It never has.  They send an email when they get the claim, tell me what they are waiting on.  Another email when they receive whatever it was and one when they are sending a check.  There is no hassle about what is "usual and customary" or any kind of fee schedule.  They pay what the vet bills factoring in the 90% etc.  I've been very happy with them.  

[Cyndi, The Boys & Callie]

One other thing.  The premium may not increase due to age but it will likely increase. Just like people insurance, this is no different.  Tank's went up when he turned one but it was a less than $9/month increase.

[Donna K & Quincy]

I have ins with Trupanion which I have never had to use up to this point. One thing they did tell me is that if you have repeat visits for the same issue to submit a claim even if it is less than your deductible, once you have submitted an amount equal to your deductible it is then covered.

[Suzanne & Jack]

I was on a plane sitting next to a vet last winter.  We started talking about pet insurance and she said they really like Trupanion in her office.  She said they pay claims very well.