However, pet insurance really does fall into the same category, and is just as vital. The main purpose is to cover the medical/vet costs that may accrue if your pet is injured in an accident or they have become ill.
These costs can be quite high and may be impossible to afford for someone without suitable insurance. Finding a suitable insurance company, however, can be tricky. For evidence of some of the best coverage out there, however, you should look at some Trupanion reviews.
Trupanion
Trupanion is well known as a provider of dog insurance, which has built its reputation over almost ten years. It was not always an American company, however.
Its roots are in Canada, and it just recently opened its doors, as it were, to customers in the United States. This is an opportunity you do not want to miss, as their reputation is of being one of the best pet insurance companies around.
What Is Covered?
Trupanion, a cost that covers any injuries or illnesses that might occur, can cover you for up to $20,000. Unlike many other pet insurance companies, this includes coverage for those illnesses that are hereditary or congenital.
So long as your dog is currently healthy, you can find a very good policy that covers it well and offers reliable protection for the future.
Ease of Use
One of the things that set apart any good insurance company from the rest is the ability to get a claim processed quickly and easily, without a lot of hassle and fuss. Trupanion is very good in this respect, often getting even the initial claim out of the way in under a week.
Subsequent claims for the same illness or injury may be even faster, sometimes being completed the same day. They also are very careful to keep in contact with you and let you know if there is any problem or if they need some piece of information you might have neglected.
Unlike with many other companies, you will not be left hanging with a sick pet and no way to care for it.
One of the Best Insurance Companies Around
Just check out the Trupanion reviews you can find online to see evidence of this. You will find that almost universally, people have good experiences with them.
With the ability to process a claim quickly, cover almost any medical issue that might crop up, and deal personally with every owner, it is hard to beat him or her for hands-on experience. Their prices are by no means out of the range of the average pet owner, and the peace of mind it offers you is almost invaluable.
I have a little pomeranian puppy who has an open fontanel. The Trupanion representative said that it didnt matter and that he would be covered by the pet insurance. He also developed bronchitus a few days after signing up for the insurance. The doctors original checkup notes stated that his eyes were watery. My little pomeranian started having siezures a few weeks later and has required a trip to the neurologist and a prescription of phenbarbital. Last week I submitted my claims to trupanion. The ones for the siezures and the ones for the bronchitus checkups. They will not cover any of the bills. They claim now that an open fontanel is a pre-condition for siezures and the watery eyes noted by the doctor indicated that bronchitus was develping and therefore also fell under the pre-existing condition category. They did however want to reimburse me for coccidia medication, even though their contract specificly states that they do not cover parasitic infectons. Im up to $2k in vet bills and up until this point had been sleeping a little easier thinking trupanion had me covered. But all they want to help me with is a $12 deworming medication after paying them $50 a month for coverage. My advice is DO NOT BOTHER WITH THEM! They are all about the business(playing lawyer) and have little interest in providing excellence in customer service to their policy holders.
Hi Andrew,
To better clarify for you, we were not able to extend coverage for Ewok’s seizure activity or respiratory infection as symptoms were noted in your pets medical records prior to your activation of your coverage with us. Unfortunately, we do have guidelines to follow when reviewing claims, and in your case, the seizures had already started and symptoms for a respiratory issue were present, which included watery eyes with congestion sounds found in lungs, which are consistent with the conditions that were being claimed for. When present symptoms for which you are claiming are consistent to the conditions present prior to starting coverage, it makes the conditions pre-existing and not eligible for reimbursement.
To address your parasite concern, our policy indicates that we excludes coverage for “parasite control including but not limited to internal and external parasites for which readily available prophylactic treatments are available;”. There are no regular prophylactic treatments for coccidia which is the reason you were able to receive coverage for the medication. Andrew, I understand the frustration you have with your first claims experience with Trupanion, and I encourage you to give your claims adjuster a call if you’d like to further discuss the outcome of your claim so that we can help ensure that your next claims experience is a positive one. 800-569-7913