Comments on: Trupanion Pet Insurance Review http://www.petinsurancepro.com/trupanion-pet-insurance-review/ More Than Pet Insurance | Vet Pet Insurance Comparison Fri, 10 Feb 2012 20:41:31 +0000 hourly 1 By: Brian http://www.petinsurancepro.com/trupanion-pet-insurance-review/#comment-71793 Brian Tue, 17 Jan 2012 17:14:32 +0000 http://www.petinsurancepro.com/?p=615#comment-71793 "When do the rate increases stop Trupanion?" When enough people drop them for better insurance and Trupanion wises us that they don't have the pricing power that they think they do. Just switch to Pet Plan or Healthy Paws. “When do the rate increases stop Trupanion?”

When enough people drop them for better insurance and Trupanion wises us that they don’t have the pricing power that they think they do.

Just switch to Pet Plan or Healthy Paws.

]]> By: Rob Reid http://www.petinsurancepro.com/trupanion-pet-insurance-review/#comment-71792 Rob Reid Tue, 17 Jan 2012 12:55:46 +0000 http://www.petinsurancepro.com/?p=615#comment-71792 I find the "adjusting premiums" getting old with Trupanion. I have had my rates adjusted twice now to the tune of a 150 percent increase in two years. My dog has been "lucky" he has been healthy, unfortuantely I can't say that about my bank account. When do the rate increases stop Trupanion? I find the “adjusting premiums” getting old with Trupanion. I have had my rates adjusted twice now to the tune of a 150 percent increase in two years. My dog has been “lucky” he has been healthy, unfortuantely I can’t say that about my bank account. When do the rate increases stop Trupanion?

]]> By: Stacy at Trupanion http://www.petinsurancepro.com/trupanion-pet-insurance-review/#comment-71789 Stacy at Trupanion Mon, 16 Jan 2012 18:37:12 +0000 http://www.petinsurancepro.com/?p=615#comment-71789 Unfortunately, if the dog currently has any conditions, then they would be considered pre-existing, whether or not a veterinarian has diagnosed them. It's important to seek a veterinarian and treat any ailments early on and prevent them from getting worse. Occasionally we have seen cases in which a pet has been sick for a long time but the owner refuses to take it to a veterinarian because they are waiting for their insurance coverage to kick in. Unfortunately, this doesn't help, because their veterinarian can tell whether a pet has been experiencing symptoms for a while (eg. since before they signed up for insurance), so this won't affect the outcome of a pet insurance claim and will usually result in the animal suffering for a longer period of time. Unfortunately, if the dog currently has any conditions, then they would be considered pre-existing, whether or not a veterinarian has diagnosed them. It’s important to seek a veterinarian and treat any ailments early on and prevent them from getting worse.
Occasionally we have seen cases in which a pet has been sick for a long time but the owner refuses to take it to a veterinarian because they are waiting for their insurance coverage to kick in. Unfortunately, this doesn’t help, because their veterinarian can tell whether a pet has been experiencing symptoms for a while (eg. since before they signed up for insurance), so this won’t affect the outcome of a pet insurance claim and will usually result in the animal suffering for a longer period of time.

]]> By: J. Blume http://www.petinsurancepro.com/trupanion-pet-insurance-review/#comment-71788 J. Blume Mon, 16 Jan 2012 18:25:14 +0000 http://www.petinsurancepro.com/?p=615#comment-71788 DO NOT TAKE YOUR DOG TO THE VET FIRST! Then, anything the vet finds will become a pre-existing condition. DO NOT TAKE YOUR DOG TO THE VET FIRST! Then, anything the vet finds will become a pre-existing condition.

]]> By: Stacy at Trupanion http://www.petinsurancepro.com/trupanion-pet-insurance-review/#comment-71787 Stacy at Trupanion Mon, 16 Jan 2012 17:54:19 +0000 http://www.petinsurancepro.com/?p=615#comment-71787 Hi Kathy, It's great to hear from people like you who are willing to save the life of an older dog. You can certainly enroll your new senior pup with us! It's just the same as it would be if you had found it as a stray or adopted him from a shelter. What I would recommend is to first take him to the vet to get an examination to ensure that he is healthy or catch any conditions as soon as possible, if he has any. Then, you can enroll over the phone so that we can be sure to make a note on your policy that you don't have any of his previous vet records. Thank you for rescuing him! 800-569-7913 Hi Kathy,
It’s great to hear from people like you who are willing to save the life of an older dog.
You can certainly enroll your new senior pup with us! It’s just the same as it would be if you had found it as a stray or adopted him from a shelter.
What I would recommend is to first take him to the vet to get an examination to ensure that he is healthy or catch any conditions as soon as possible, if he has any. Then, you can enroll over the phone so that we can be sure to make a note on your policy that you don’t have any of his previous vet records.
Thank you for rescuing him!
800-569-7913

]]> By: kathy http://www.petinsurancepro.com/trupanion-pet-insurance-review/#comment-71781 kathy Sun, 15 Jan 2012 14:24:53 +0000 http://www.petinsurancepro.com/?p=615#comment-71781 I am looking at adopting an older pet, which means 8 years or older for dogs and cats. I am meeting with an elderly man who will be going into assisted elderly living apt and they don't allow dogs. Don't know why. He can't find his vet records as his place is a mess because he doesn't have any help or a maid to clean up. He doesn't remember the vet's name, I guess he has oldtimers disease, so his memory is rather foggy when talking to him. But he has a very sweet large 90lbs older dog, I would guess to be 8, 9 or 10 years old. He called the shelter, but they said they kill all dogs over 5 years old immediately, and just keep room for the puppies and young dogs only. The shelter does not do any vet check for any dog over 5 years old. So this dog does not have any vet records that I can find, and the shelter refuses to do any vet check on any older dog that is brought in. So I may adopt this dog before it goes to the shelter, because the shelter said it will be killed within the hour of drop off. I don't know why they call themselves a "shelter" a shelter means a safe place, most shelters kill, so therefore they are not a shelter, they are a killing center, which would be the right name. So anyway, how can I INSURE this old dog with Trupanion, if I save its life before this old man leaves for the assisted living facility that refuses to allow him to bring his best friend? This is another problem with America, Assisted Living Facilities should allow pets for our elderly so they can live their last years with their best friend. People need to refuse to use to hire any Assisted Living that does not allow pets. Talk with your pocketbooks, if they refuse pets, refuse to spend money with them. Thats how things will change. And call and email every facility that refuses pets. I am trying to help one old dog, but there are so many older pets that are killed when the elderly go to Elder Care Assisted Living. I am looking at adopting an older pet, which means 8 years or older for dogs and cats. I am meeting with an elderly man who will be going into assisted elderly living apt and they don’t allow dogs. Don’t know why. He can’t find his vet records as his place is a mess because he doesn’t have any help or a maid to clean up. He doesn’t remember the vet’s name, I guess he has oldtimers disease, so his memory is rather foggy when talking to him. But he has a very sweet large 90lbs older dog, I would guess to be 8, 9 or 10 years old. He called the shelter, but they said they kill all dogs over 5 years old immediately, and just keep room for the puppies and young dogs only. The shelter does not do any vet check for any dog over 5 years old. So this dog does not have any vet records that I can find, and the shelter refuses to do any vet check on any older dog that is brought in. So I may adopt this dog before it goes to the shelter, because the shelter said it will be killed within the hour of drop off. I don’t know why they call themselves a “shelter” a shelter means a safe place, most shelters kill, so therefore they are not a shelter, they are a killing center, which would be the right name.

So anyway, how can I INSURE this old dog with Trupanion, if I save its life before this old man leaves for the assisted living facility that refuses to allow him to bring his best friend?

This is another problem with America, Assisted Living Facilities should allow pets for our elderly so they can live their last years with their best friend. People need to refuse to use to hire any Assisted Living that does not allow pets. Talk with your pocketbooks, if they refuse pets, refuse to spend money with them. Thats how things will change. And call and email every facility that refuses pets.

I am trying to help one old dog, but there are so many older pets that are killed when the elderly go to Elder Care Assisted Living.

]]> By: Stacy at Trupanion http://www.petinsurancepro.com/trupanion-pet-insurance-review/#comment-71746 Stacy at Trupanion Tue, 03 Jan 2012 17:57:50 +0000 http://www.petinsurancepro.com/?p=615#comment-71746 Hi im1ofmany, A condition is only deemed pre-existing based on actual, existing symptoms or diagnosis that exist prior to policy coverage. We do cover hereditary and congenital conditions, so a condition won't be automatically excluded just because you have a breed that is prone to that condition. The wording on our policy states that a pre-existing condition is an "Illness resulting from any condition for which evidence and/or symptoms of their potential manifestation already exist at, or during the 18 months prior to, the policy enrollment date. Illnesses that occur during the 30 day waiting period and accidents that occur during the 5 day waiting period will be considered pre-existing conditions;" If you are getting a new puppy from a reputable breeder, then likely it will not have any pre-existing conditions. We do not require a veterinary exam for sign-up, however it is pretty standard when bringing home a new pet (whether it be a puppy or an older adopted dog) to have them examined for any pertinent medical issues. P.S. In response to Kathy, we do cover older adopted pets as well (I adopted my dog when she was about 3 years old with no prior medical history). When you adopt a new pet, it's likely that the shelter has gotten a veterinary exam for it, or that you will be required to get an examination shortly after adopting your new pet. This would reveal whether your pet has a clean bill of health or is experiencing some symptoms. Hi im1ofmany,
A condition is only deemed pre-existing based on actual, existing symptoms or diagnosis that exist prior to policy coverage. We do cover hereditary and congenital conditions, so a condition won’t be automatically excluded just because you have a breed that is prone to that condition.
The wording on our policy states that a pre-existing condition is an “Illness resulting from any condition for which evidence and/or symptoms of their potential manifestation already exist at, or during the 18 months prior to, the policy enrollment date. Illnesses that occur during the 30 day waiting period and accidents that occur during the 5 day waiting period will be considered pre-existing conditions;”

If you are getting a new puppy from a reputable breeder, then likely it will not have any pre-existing conditions.
We do not require a veterinary exam for sign-up, however it is pretty standard when bringing home a new pet (whether it be a puppy or an older adopted dog) to have them examined for any pertinent medical issues.

P.S. In response to Kathy, we do cover older adopted pets as well (I adopted my dog when she was about 3 years old with no prior medical history). When you adopt a new pet, it’s likely that the shelter has gotten a veterinary exam for it, or that you will be required to get an examination shortly after adopting your new pet. This would reveal whether your pet has a clean bill of health or is experiencing some symptoms.

]]> By: im1ofmany http://www.petinsurancepro.com/trupanion-pet-insurance-review/#comment-71742 im1ofmany Sun, 01 Jan 2012 19:59:38 +0000 http://www.petinsurancepro.com/?p=615#comment-71742 HEY STACY the main thing i am trying to find out is ~what qualifies as pre-existing, can they go back to an animals blood line or what? ~if a certain breed is known to have certain medical conditions, and later in this animals life this condition shows up (well after the 30 days)is it considered pre-existing or do you cover that? and ~am i required to have a preliminary exam for my pet before its insured? HEY STACY
the main thing i am trying to find out is
~what qualifies as pre-existing, can they go back to an animals blood line or what?
~if a certain breed is known to have certain medical conditions, and later in this animals life this condition shows up (well after the 30 days)is it considered pre-existing or do you cover that?
and
~am i required to have a preliminary exam for my pet before its insured?

]]> By: im1ofmany http://www.petinsurancepro.com/trupanion-pet-insurance-review/#comment-71741 im1ofmany Sun, 01 Jan 2012 19:51:42 +0000 http://www.petinsurancepro.com/?p=615#comment-71741 HEY BRIAN thanx for the advice. i'm definately new to the pet thing so i appreciate the insight, but i would never consider myself naive. i didnt want to put them on the defence right away as has been their track record in past comments, but i am a firm believer in my line "everything's a scam". unfortunately this is the world we live in. actualy all my questions were hypothetic since i didnt even pick one out of the litter yet. really i agree w/ u on everything u said, but asking an agent doesnt kill anything when youve got nothing to cover. even still facts are facts, alot of these pet owners went to have their pets examined and had all the normal pet stuff recorded (diareah, vomiting, not eating) all things that as u said can be used against them at a later date of the insurers convenience to be sighns of ANYTHING. i had a friend who got pet ins. on his puppies before they were even born (i had never heard of this) but it just so happened that one of the puppies was diagnosed w/ bone cancer...ins. was forced to cover everything. the main thing i am trying to find out is what qualifies as pre-existing, can they go back to an animals blood line or what? and am i required to have a preliminary exam before im insured? anyway thanx again for the advice,stay skeptical im1ofmany HEY BRIAN
thanx for the advice. i’m definately new to the pet thing so i appreciate the insight, but i would never consider myself naive. i didnt want to put them on the defence right away as has been their track record in past comments, but i am a firm believer in my line “everything’s a scam”. unfortunately this is the world we live in. actualy all my questions were hypothetic since i didnt even pick one out of the litter yet. really i agree w/ u on everything u said, but asking an agent doesnt kill anything when youve got nothing to cover. even still facts are facts, alot of these pet owners went to have their pets examined and had all the normal pet stuff recorded (diareah, vomiting, not eating) all things that as u said can be used against them at a later date of the insurers convenience to be sighns of ANYTHING.
i had a friend who got pet ins. on his puppies before they were even born (i had never heard of this) but it just so happened that one of the puppies was diagnosed w/ bone cancer…ins. was forced to cover everything.
the main thing i am trying to find out is what qualifies as pre-existing, can they go back to an animals blood line or what?
and am i required to have a preliminary exam before im insured?
anyway thanx again for the advice,stay skeptical
im1ofmany

]]> By: kathy http://www.petinsurancepro.com/trupanion-pet-insurance-review/#comment-71738 kathy Sat, 31 Dec 2011 15:35:02 +0000 http://www.petinsurancepro.com/?p=615#comment-71738 Regarding Brian's Response be low ---------------------------------------------------------- "Brian December 30, 2011 at 10:46 pm · Reply im1ofmany, You are being extremely naive in asking such questions to an insurance agent. It’s a “game”, and here is how it’s played: When you make a claim, they will pour through every bit of your pet’s history and try to find reasons to deny your claim. They pay people to justify the denial of claims. If you go to the vets and he finds a runny nose, then they can use that to deny any upper respiratory problems your pet will *ever* have. Diahrea? Oh oh, must have an existing problem with the digestive system. Your pet throws up? Oh oh, that is a generic symptom and could be used to deny almost anything. You get the picture. The *last* thing in the world you should do is go to the vet and get a comprehensive exam *before* signing up. That is how the game is played…" ---------------------------------------------------------- This is very true, regardless pet or human insurance. I am healthy but my own human animal health insurance rates tripled and I can no longer afford insurance. Any thing you or your pet sees a doctor about is preexisting. This is the game of all insurance companies. I just read that kroger and woolworth are both looking to start pet insurance companies. They said it is very profitable so they want to get into it too and make big bucks. So more pet insurance co are getting in on this. I still have pet insurance for my pets, as they need it more than I do. Pets are killed without being able to pay their medical bills, so I only have pet insurance as a Necessary Evil. When I have more money, I will cancel it. If a human gets sick and doesn't have health insurance, you can still get free health care and they will not kill you, like they do to cats and dogs. I also recommend the VETERINARIAN CARE Credit Card that pays for Vet Care interest free. I have used it 3 times, and been able to pay off the vet care within 6 months interest free. So that does work and is helpful if you don't have the cash to pay for vet care right away. Most vets take it, but call first to make sure the vet you go to has the Vet CARE credit card or will sign up for it. If your favorite vet doesn't have it, ask them to sign up for the Vet Care Credit card. Just search online Veterinarian CARE credit card to sign up or ask your vet for the application handed out at vet offices. Beware of Trupanion pet insurance, they do raise prices after you sign up, and they raise rates for aging pets. And we had one pet that didn't have previous vet records and they refused to cover it. I may adopt another pet, but I am concerned that I will not have any vet records so I doubt trupanion will cover this adopted pet without any previous vet records anyway. Regarding Brian’s Response be low

———————————————————-
“Brian
December 30, 2011 at 10:46 pm · Reply
im1ofmany,
You are being extremely naive in asking such questions to an insurance agent. It’s a “game”, and here is how it’s played:

When you make a claim, they will pour through every bit of your pet’s history and try to find reasons to deny your claim. They pay people to justify the denial of claims. If you go to the vets and he finds a runny nose, then they can use that to deny any upper respiratory problems your pet will *ever* have. Diahrea? Oh oh, must have an existing problem with the digestive system. Your pet throws up? Oh oh, that is a generic symptom and could be used to deny almost anything. You get the picture. The *last* thing in the world you should do is go to the vet and get a comprehensive exam *before* signing up. That is how the game is played…”
———————————————————-

This is very true, regardless pet or human insurance. I am healthy but my own human animal health insurance rates tripled and I can no longer afford insurance.

Any thing you or your pet sees a doctor about is preexisting. This is the game of all insurance companies.

I just read that kroger and woolworth are both looking to start pet insurance companies. They said it is very profitable so they want to get into it too and make big bucks. So more pet insurance co are getting in on this.

I still have pet insurance for my pets, as they need it more than I do. Pets are killed without being able to pay their medical bills, so I only have pet insurance as a Necessary Evil. When I have more money, I will cancel it. If a human gets sick and doesn’t have health insurance, you can still get free health care and they will not kill you, like they do to cats and dogs.

I also recommend the VETERINARIAN CARE Credit Card that pays for Vet Care interest free. I have used it 3 times, and been able to pay off the vet care within 6 months interest free. So that does work and is helpful if you don’t have the cash to pay for vet care right away. Most vets take it, but call first to make sure the vet you go to has the Vet CARE credit card or will sign up for it. If your favorite vet doesn’t have it, ask them to sign up for the Vet Care Credit card. Just search online Veterinarian CARE credit card to sign up or ask your vet for the application handed out at vet offices.

Beware of Trupanion pet insurance, they do raise prices after you sign up, and they raise rates for aging pets. And we had one pet that didn’t have previous vet records and they refused to cover it.

I may adopt another pet, but I am concerned that I will not have any vet records so I doubt trupanion will cover this adopted pet without any previous vet records anyway.

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