Trupanion Insurance

blushy · Apr 27, 2016

Does anyone here have this pet insurance? Going through and comparing, it seems like they would be a good fit for us, but I was wondering if anyone else used them?

I know we need to get insurance on at least Titan before we have some horrific nightmare happens.... *insert constant stress here*

Thanks, everyone!

Sent from my iPhone using Tapatalk

FrogDogFam · Apr 27, 2016

I looked at Trupanion but ended up going with PetPlan. I think those two companies were neck and neck with my comparisons. A friends lab needed knee surgery, has PetPlan and they covered it.
Good luck! Good idea for us to network about the pet insurance!

blushy · Apr 27, 2016

FrogDogFam said:
I looked at Trupanion but ended up going with PetPlan. I think those two companies were neck and neck with my comparisons. A friends lab needed knee surgery, has PetPlan and they covered it.
Good luck! Good idea for us to network about the pet insurance!

I like the idea of Trupanion because there is no cap for reimbursements? Some cap it at $5,000 a year, or $10,000 a year, I also like the little bit pricier option to not have a deductible... I know that's a huge issue with my own health insurance, and it causes money problems, (think: I literally don't go to the doctor because I pay 80% of everything) i think I'd feel better about getting my reimbursements no matter what, instead of meeting a deductible first? I'd have to talk to these actual insurance companies, but I know some people have pet insurance horror stories, so if someone had a bad experience (or more than one) I'm sure it would be with a Frenchie so this is the best place to seek refuge! Haha!

Cbrugs · Apr 27, 2016

I have VPI for Jax and have never had any issues. There is a deductible but I have never had a problem hitting it because of Jax's allergies. He's also had to have skin tags removed on 2 separate occasions, both of which were covered. He also had conjunctivitis last year and I had to take him to the ER because it was the middle of the night and I had no idea what was wrong. That was covered as well. They had a $14,000 a year cap but with the next renewal (in June), there won't be a cap. I have the major medical and a wellness plan.

jellyfish · Apr 28, 2016

We just put Daisy and Hank on Nationwide Whole Pet with Wellness plan (formerly VPI). I haven't used it yet but covers wellness and major medical. I liked how much it covered and it was only a few dollars more a year than Healthy Paws. I have the $250 deductible.

Sent from my SM-G900V using Tapatalk

Bleu · Apr 28, 2016

Im with healthypaws and love it. Amazing customer service. They treat you as if it is your last day on earth

blushy · Apr 30, 2016

I'll have to look more into healthy paws!

When I looked at the Nationwide I felt like the things it excluded weren't really my cup of tea. What I read it didn't include coverage for conditions considered congenial? That's hips/eyes/knees? That's MAJOR for me, considering one of my frenchies had surgery to repair a cherry eye. But maybe it was just that package I saw.

Sent from my iPhone using Tapatalk

Bleu · Apr 30, 2016

10 Best Pet Insurance of 2016 | Trusted by 3,947,000 | Consumers Advocate

Bleu · Apr 30, 2016

also check out this comparison
Pet Insurance Comparison | Healthy Paws vs Trupanion

Nu2frenchie · Apr 30, 2016

I have been looking at ASPCA, Trupanion and Nationwide. Can't make up my mind.

kpromero · May 1, 2016

Please look at any fine prints before getting insurance. A lesson i learned. I purchased VPI in May 2015 for Rosie for a just in case. In March 2016, she was diagnosed with patella luxation in both back legs and scheduled surgery for April 2016 since my wife was having a torn rotator cuff surgery in March and did not want both of them not in great condition at the same time. When i called VPI about the surgery in late March 2016, was told that it would not cover the surgery since i did not have the policy for 1 year yet and was told to read the fine print. So basically i paid them $460 for nothing. I can assure you i will not renew with them. Total cost of surgery for her was $3,200 and had soft palate shortened and nares widened.

blushy · May 1, 2016

kpromero said:
Please look at any fine prints before getting insurance. A lesson i learned. I purchased VPI in May 2015 for Rosie for a just in case. In March 2016, she was diagnosed with patella luxation in both back legs and scheduled surgery for April 2016 since my wife was having a torn rotator cuff surgery in March and did not want both of them not in great condition at the same time. When i called VPI about the surgery in late March 2016, was told that it would not cover the surgery since i did not have the policy for 1 year yet and was told to read the fine print. So basically i paid them $460 for nothing. I can assure you i will not renew with them. Total cost of surgery for her was $3,200 and had soft palate shortened and nares widened.

That's what I noticed with a couple of plans? I saw they didn't have coverage with congenial conditions, even if they weren't pre existing. Put me off. That's why I was asking here if anyone had Trupanion, because they do have that coverage, and we all know with frenchies, those are the conditions that occur 9 times out of 10.

Nu2frenchie · May 1, 2016

blushy said:
That's what I noticed with a couple of plans? I saw they didn't have coverage with congenial conditions, even if they weren't pre existing. Put me off. That's why I was asking here if anyone had Trupanion, because they do have that coverage, and we all know with frenchies, those are the conditions that occur 9 times out of 10.

I have really looked at Trupanion the last few days but when I compare to ASPCA it still lacks (unless I'm missing something...if so someone please let me know). I think I have decided on ASPCA. Have you checked into it?

This is more confusing than my own insurance...ugh!

blushy · May 1, 2016

Nu2frenchie said:
I have really looked at Trupanion the last few days but when I compare to ASPCA it still lacks (unless I'm missing something...if so someone please let me know). I think I have decided on ASPCA. Have you checked into it?

This is more confusing than my own insurance...ugh!

My insurance is horrible, so I want my dogs to be a good one at least! Haha!

Nu2frenchie · May 1, 2016

blushy said:
My insurance is horrible, so I want my dogs to be a good one at least! Haha!

:yes:

Keep us updated with what you choose!

Schimpfy · May 2, 2016

we are on trupanion but would prefer petplan they pay back faster and with less hassle

hannah · May 4, 2016

I was with pets plus us then I switched to Bcaa . Both Canadian companies though

Sent from my SM-G900W8 using Tapatalk

hannah · May 4, 2016

kpromero said:
Please look at any fine prints before getting insurance. A lesson i learned. I purchased VPI in May 2015 for Rosie for a just in case. In March 2016, she was diagnosed with patella luxation in both back legs and scheduled surgery for April 2016 since my wife was having a torn rotator cuff surgery in March and did not want both of them not in great condition at the same time. When i called VPI about the surgery in late March 2016, was told that it would not cover the surgery since i did not have the policy for 1 year yet and was told to read the fine print. So basically i paid them $460 for nothing. I can assure you i will not renew with them. Total cost of surgery for her was $3,200 and had soft palate shortened and nares widened.

This is so rediculous

Sent from my SM-G900W8 using Tapatalk

kpromero · May 5, 2016

hannah said:
This is so rediculous

Yes it is Hannah and i just received the renewal for it and through it in the trash

mmclean · May 5, 2016

I understand your frustration, but I have VPI and haven't had that issue. I bought the wellness plan and everything has been covered. Radar hasn't had a luxating patella though, so I'm sure my experience is very different.

Sent from my iPad using Tapatalk