hello everyone! I just adopted a cat, a 1-year old female (spayed, no previous health conditions). she's been to the vet, and they didn't note anything out of the ordinary. I was going to go with trupanion, but have seen a lot of mixed reviews about their compensation policy (something about per condition). I was wondering if anyone here has been in a similar situation to me? what insurance do you use for your cat?

Hello, I just found this sub. I am looking at getting pet insurance. I have a 3 month old cavapoo. I was going to go with fetch until I saw all these horror stories. I am in Canada. Any suggestions? I got quoted $108 with trupanion. Seems high. Fetch was like $60 with the wellness. I notice they all jack up premiums based on whatever yearly too. Even if trupanion says it's not based on age, they can blame it on whatever. I asked them and they said they're is not cap on how much premiums can increase. I understand it's a gamble. Might never need it but I want the piece of mind of having coverage.

I have had Trupanion insurance for my 6yo cat Eloise since I got her as a kitten. The premiums have increased each year, which is to be expected, but I just got the new 2025 policy and it increased from $28.95 to $42.31. What?! Eloise is healthy other than gingivitis. She had to have a dental cleaning this year and Trupanion actually covered part of it, even though the way the policy is written made it seem like they wouldn't. I submitted it anyway and most if it was accepted. I only got a little back after deductible but considered that a win. Hopefully she won't need another cleaning for a few years. I'm not paying $42 a month so my question is, is insurance really needed for a health cat? And if so, any recommendations? I didn't have insurance for my two prior cats (it wasn't so much a thing when I got them way back). One of them was mostly healthy for 15 years then the last 6 months of his life it was one expensive crisis after another. After he died and I got Eloise, her vet strongly encouraged insurance. I did the math and what I would have paid in 15 years of premiums was almost exactly what I paid in 6 months of those medical problems. It would have been nice to get a % back after deductible during such a stressful time. So that is what swayed me to get insurance for Eloise. $20 then $25 then $28 seemed reasonable. But $42 does not. [Especially when Trupanion CEO has a compensation package of almost a million dollars.](https://simplywall.st/stocks/us/insurance/nasdaq-trup/trupanion/management#:~:text=Trupanion's%20CEO%20is%20Margi%20Tooth,company's%20shares%2C%20worth%20%245.14M) Her current policy: Max lifetime benefits: no limits Deductible per illness/injury: $500 Co-insurance: 90%/10% Waiting period accident: 5 days Waiting period illness: 30 days Thanks for any insight!

Our puppy went to a few puppy socials in the past week. Today he started having a loud dry cough, so we took him to the vet. The vet diagnosed him with a minor respiratory illness. The vet wasn’t concerned because he was still eating well and had no change in energy level, but still prescribed him some cough suppressant. We mistakenly filed a claim to Trupanion at the vet to try to cover the medication. However, we were on day 28 of the 30 day waiting period and Trupanion denied the claim. Furthermore, Trupanion now saying that “cough” is a pre-existing condition and we will no longer be able to submit any claims for “cough” in the future. I saw that some insurance providers delineate between curable and non-curable pre-existing conditions. Does anyone know if Trupanion does this? Additionally, is there any way to get the “cough” removed as a pre-existing condition from Trupanion or are we screwed? Thank you!

I adopted a cat just under a year ago now. She is a domestic shorthair and will be two years old this April. While she hasn’t had any major issues yet, I grew up with family pets and know it’s only a matter of time before I end up with a $1000+ vet bill. I’ve been looking at pet insurance companies and reviews and none of them seem good? Either everyone seems to have major complaints about every single one or their coverage is really weird. I’m still going to get one, especially since I believe my cat is starting to develop gingivitis and as far as I’m aware, it hasn’t been noted by the vet, so I’m hoping it won’t be counted as a pre-existing condition. I was originally interested in SPOT but then saw that a bunch of people said they were a scam, so I started looking into others. The top three I’ve been debating between: Fetch, trupanion, and nationwide. I really like the price and coverage of Fetch, but I’ve seen a mix of both bad and good reviews on them. If anyone has any good/bad experiences I’d appreciate it, especially with cost/coverage changing as your pet gets older. Then there’s trupanion, which I love that they claim to not increase the price as your pet gets older, but I’m unsure about their deductible since it’s per condition instead of annually. It seems great for pets that develop chronic conditions, but maybe not great for illnesses and accidents that I’m assuming would each fall under their own “condition” and thus leave you stuck paying the deductible every single time. If anyone can shed some light on this I’d appreciate it. Last, nationwide was recommended to me by my sisters friends. For around the same price as trupanion, their coverage includes additional things like dental cleaning, wellness, exam fees, etc. I’m just worried about the price hike that might occur as my cat gets older. Please give any recommendations and/or experiences, either with these three or with other insurances you’ve used ♥️

Hi everyone! I'm looking for some insights on my cat's insurance costs. I've been with Trupanion since my cat was 3 years old, and she is now 7. The premium has been increasing nearly every year, and I'm currently paying $106 per month with 90% coverage and a $0 deductible. She's been relatively healthy overall, just dealing with early-stage osteoporosis, which we're managing with weight loss. Thankfully, no other major health issues. However, the one time I submitted a claim, my vet had to intervene because Trupanion was reluctant to cover costs that were supposedly included under my plan. Given these details, does the price I'm paying seem reasonable? Also, if anyone has suggestions for more affordable insurance options in Canada that still offer reliable coverage, I’d love to hear about them. Thanks for your help!

Just sharing an experience that may be helpful to others. I signed upon or Trupanion about 4 years about based upon Wirecutter's review at the time saying that their increases over time were modest and product was good. When I got my puppy four years ago, the rate was $70 month. Fast forward three and a half years and my rates were $103 ( not too modest in my opinion). I just got an email saying that my rates were going from $103 to $135. That's an astronomical increase in my opinion. It got me wondering what Im going to be paying when my dog is 11 years old and he may need the insurance, $300/month? More?I decided it was no longer for me and I wanted to cancel. Customer service was relatively good till this point. But when I wanted to cancel they made it EXTREMELY difficult. I could find nowhere on the website to cancel until finally finding some back alley link that said I had to call them on the phone to cancel. Annoying... shady... but fine. I called them and waited on hold for five mins for someone to take my info. They did, then they said they had to transfer me to the cancelation department. Shock and surprise it was a 20 minute wait. When I got the agent on the phone, they needed to take all the same info again, and then I was forced to sit through a 15 minute scripted summary of why my cancellation was a bad idea and why their rate hike was justified rather than them just taking my info and cancelling the subscription. They told me if I hung up and didn't listen to the whole spiel my insurance would not be cancelled. The whole thing felt like a forced captivity last ditch effort sales pitch to keep me, rather than facilitating what it was I called to do. Really disappointing customer service. To not have an online option to cancel in today's day and age is egregious. Forcing people to to listen to a sales pitch is customer relations malpractice.

My ex cancelled my elderly chihuahuas health insurance (the anger I’m feeling is palpable in other countries). I have a 13yr old chihuahua Peanut 🐶He was covered by Trupanion for the last 6yrs or so until my ex let the insurance lapse last month without telling me. I tried to reinstate but Trupanion said I missed the 3 day period. Peanut has lots of existing conditions (galloping heart, epilepsy, pre-kidney disease) that without reinstating Trupanion won’t be covered and someone even mentioned he may be uninsurable, like some places won’t even accept him at all. I’m very panicked. Does anyone have any advice on getting a policy reinstated?

After years of paying for Trupanion premiums, with hardly any claim at all (only a small amount for thyroid pills) this company blindsided me with an increase in premium, $70 to $118!, a $48 increase/month! They offered a lot of mumbo-jumbo about cost increases in our area. Well we pay for the routine care and it hasn't gone up, maybe minimally but nothing warranting that kind of increase. Now our dog is old so I won't be able to get any other insurance so I'm stuck with them. But we will be moving our younger dog out of that company ASAP. Just warning you all about this company, no loyalty to long time customers.

Our older Bernese is insured through Trupanion, which has been very easy to work with on hi lymphoma. So far they've covered chemo really well, and we're even considering a stem cell replacement therapy (which costs $75-90k) and it seems like they will cover that as well. We are thinking ahead for our younger berner, Leela and are going to purchase pet insurance for her. Trupanion has been great for Jackson, but for some reason they are 3x+ as expensive as other options ($600/mo for 90% coverage and non annual limit). We're also looking at Figo, Pet's Best, pumpkin, and Prudent Pet. Important considerations are unlimited annual payout & a 90% coverage level. Berners tend to get cancer, and we want to make it an easy financial decision to get her the best care possible if that happens for her. Do you have experience with any of these insurers (or have others that have been good to work with?) Seems like there are many many options, and would like to avoid picking one now that is difficult to work with down the line. Figo, pumpkin, and Prudent Pet are similarly priced at around $130-180/mo. Pet's Best is coming in way less expensive, $90/mo for a $500 deductible and $55/mo (!) for a $1,000 deductible. Particularly interested in any of y'all who've gone through cancer treatment with these carries. How has it been?