Reply from Trupanion

So trupanion unlike other providers, issues deductibles based on condition not per year. So my dog that has been insured with Trupanion for 8 years and only has a few minor claims.She had a bout of endometritis which she had a few years ago as well. The 400 deductible was almost met from previous claims but trupanion instituted their own condition and called it "discharge" instead of calling it endometritis and recharged me the entire deductible amount. My bill was for $700 bill, they paid me $100. This company used to be good but is now a rip-off! Their website supposedly has been upgraded but it is no upgrade and does not work well. Their owner's portal does not work at all!

I found it frustrating you denied my claim and I had to go through the appeals process. On top of that, no one even contacted me to speak about the decline. If you're going to decline a $3000 treatment, you better talk to me to explain what's going on. I am reasonable satisfied by the appeals process but still feel you did not cover enough

The company didn’t charge me for July payment. So I called to alert them. Now they are charging twice in one month without any notification. I did call. Twice. Your people said it was an issue with your payment processing people. I understand crap happens but alert your customers to expect two charges in one month

We were denied coverage for our cat under the guise of his urinary blockage being part of a "pre-existing medical condition." We were under the stress of a life-threatening situation that required a multiple day hospital stay and despite that, Trupanion took less than 24 hours to provide the equivalent of a shrug and a "Not our problem."

I am disappointed in my vets attempt at putting in claims, therefore I have to wait a long time to hear back from Trupanion. When I am working with the er clinic, it’s wonderful

Got trupanion because they say they cover 90% of everything on an approved claim, after your deductible... came to find out, that's not true. They only cover 50% of prescription life-long food, for only 2 months. They do not cover any portion of exams or consultation. Read the fine print carefully, the don't actually reimburse much of anything. Disappointed in the company.

I am not able to give a 5 star review here are the reasons for it:

Your initial evaluation of my claim was inaccurate and poorly done. We had to request a second evaluation of our claim in order for you to pay us half of what we are due.

I really dislike that my dog's ear infections are considered a pre-existing condition when they happen at random times. She is a floppy eared dog - she is prone to ear infections and they are costly to treat. I understand that it's considered pre-existing because she had an ear infection before she was insured, but that doesn't really make sense to me.