Have you recently been hit with an unexpected rate hike on your Trupanion pet insurance?
Did you feel like their customer service didn’t really listen when you called to complain? Many pet owners are sharing similar stories: huge price increases, sometimes as much as 24.5% in just a year, denied claims with barely any explanation, and unhelpful, scripted responses from customer service.
A lot of customers are venting their frustrations, with some even calling Trupanion “disgraceful” and “the worst pet insurance.”
If you’re worried about the rising costs and unreliable coverage, it might be time to consider canceling your Trupanion Pet Insurance. This guide will walk you through the steps to cancel Trupanion pet insurance and other pet insurance alternatives that you can consider.
How to Cancel Trupanion
You can cancel your Trupanion policy anytime. Here are the steps to cancel your Trupanion pet insurance by phone:
- Call 888-733-2685
- Speak to their representative
- Ask for cancellation of your insurance policy
- Provide your policy information
- Ask for cancellation confirmation via email
💡 Note: You can also cancel online, by using their Chat with Us page, and filling in the necessary information about canceling your Trupanion policy.
How Does Trupanion Work?
Here’s how Trupanion works:
Enrollment:
- Choose a Plan: You start by selecting a plan that best suits your pet’s needs. Trupanion offers customizable plans with varying deductibles to fit different budgets.
- Waiting Periods: After enrolling, there is a waiting period before coverage kicks in—usually 5 days for injuries and 30 days for illnesses.
Coverage:
- Comprehensive Coverage: Trupanion covers a wide range of medical issues, including accidents, illnesses, hereditary conditions, and chronic conditions. They cover 90% of eligible expenses after the deductible.
- No Payout Limits: There are no annual or lifetime payout limits, so you can claim as much as needed for covered conditions.
- Direct Vet Payment: Trupanion can pay your vet directly at the time of checkout, so you don’t have to wait for reimbursement. This is available at participating veterinary offices.
Making a Claim:
- Visit Your Vet: When your pet needs medical care, you visit any licensed veterinarian, emergency care center, or specialty hospital.
- Submit a Claim: If your vet is not set up for direct payment, you pay the bill and submit a claim to Trupanion. You’ll need to provide the invoice and your pet’s medical records.
- Get Reimbursed: After processing the claim, Trupanion reimburses you 90% of the eligible costs minus your deductible. Claims are typically processed within a few days.
Exclusions:
- Pre-Existing Conditions: Conditions that existed before the policy start date or during the waiting periods are not covered.
- Preventive Care: Routine and preventive care, such as vaccinations and dental cleanings, are generally not covered.
Adjusting Your Policy:
- Flexible Deductibles: You can adjust your deductible to manage your monthly premium. Higher deductibles generally mean lower monthly premiums, and vice versa.
- Annual Adjustments: Premiums may be adjusted annually based on factors like your pet’s age, breed, and the cost of veterinary care in your area.
What Does a Trupanion Pet Insurance Policy Cover?
- Hereditary Conditions: Covers issues your pet’s breed is prone to.
- Unidentified Issues: Even if your pet doesn’t have a specific diagnosis, they’re covered.
- Congenital Conditions: Covers conditions your pet was born with.
Comprehensive Dog and Cat Coverage:
Trupanion offers extensive coverage for a variety of conditions and treatments, including but not limited to:
Hereditary & Congenital Conditions:
- Cherry eye
- Diabetes
- Hip dysplasia
- Thyroid disease
- Cancer
- Heart disease
- Urinary obstructions
- Nervous system issues
Illnesses & Injuries:
- New, unexpected injuries & illnesses
- Bite wounds
- Swallowed objects & toxins
- Patella luxation
- Allergies
- Kidney disease
- Upper respiratory infections
- Urinary obstructions
- And much more
Diagnostic and Treatment Services:
- X-rays, ultrasounds & CT scans
- Surgeries & hospital stays
- Medications
- Veterinary supplements
- Herbal therapy
- Physical therapy
- Advanced Dentistry
- Prosthetic devices & carts
Conditions Covered for Cats:
- Arthritis
- Cancer
- Vomiting (Emesis)
- Epilepsy
- Inflammation
- Bladder stones (Hexahydrate)
- High blood sugar (Hyperglycemia)
- Eye inflammation (Keratitis)
- Skin allergies
- Heart disease
- Diabetes
- Liver disease
- Overactive thyroid (Hyperthyroidism)
- Tumors (Mass)
- High white blood cell count (Leukocytosis)
- Polyps
- Fatty tumors (Lipoma)
Conditions Covered for Dogs:
- Arthritis
- Cancer
- Vomiting (Emesis)
- Epilepsy
- Inflammation
- Bladder stones (Hexahydrate)
- High blood sugar (Hyperglycemia)
- Eye inflammation (Keratitis)
- Skin allergies
- Heart disease
- Diabetes
- Liver disease
- Overactive thyroid (Hyperthyroidism)
- Tumors (Mass)
- High white blood cell count (Leukocytosis)
- Polyps
- Fatty tumors (Lipoma)
For more detailed information, go to their FAQs page.
What Does a Trupanion Pet Insurance Policy Not Cover?
Though Trupanion provides comprehensive cover for various ailments and emergencies; there are certain things that are not included in their policies. This is what you should be aware of:
- Charges for check-ups and Taxes. Trupanion does not pay for such costs as examinations and taxes. While some other firms may include examination charges in their coverage, this often comes with caps on payouts, which Trupanion avoids.
- Wellness and Routine Care. Preventive care treatments like flea control, tick control, vaccinations, and spay/neuter operations among others are excluded. These expenses can be expected by the owner since they are usually more flexible to budget for. Trupanion concentrates on unpredictable medical cases.
- Pre-Existing Conditions. No condition existing prior to the commencement of your coverage is considered in it. As regards your policy’s start date, Trupanion has made a Medical Records Summary available outlining any pre-existing conditions applicable to your pet. When you sign up, they make every effort to have all relevant medical records.
- Conditions that can be prevented. Trupanion does not cover illnesses that could have been prevented through routine maintenance like some parasites or teeth problems arising from lack of regular cleanings. It is to this end that the company keeps its cost low for all pet owners by focusing on new unanticipated health situations rather than ones caused because of preventable results of negligence or ignorance.
How to File a Claim with Trupanion?
If your veterinary hospital accepts Trupanion Vet Direct Pay, you just need to tell them that you have Trupanion coverage and they will process and submit your claim right away. You just need to provide your policy information or fill in a form if they give you any. You can check here if your veterinary hospital is affiliated with Trupanion.
If your veterinarian doesn’t accept Trupanion, you can file a claim here are the steps to follow:
- Log in to their Claims Page
- Upload your pet’s itemized invoice
- Tell them what happened
How to Submit Your Claim Manually to Trupanion
- Print the Claim Form
- Fill it out
- Send the form and invoices to:
Email: [email protected]
Fax: 866.405.4536
Alternatives to Trupanion
If you’re looking for alternatives to Trupanion pet insurance, there are several highly recommended options that might better suit your needs:
- Embrace Pet Insurance: Embrace is known for its comprehensive coverage and flexible wellness plans. They offer high annual reimbursement limits and provide discounts for multiple pets and military members. They even cover pet travel insurance for up to six months, which is perfect if you like to travel with your pet.
- Pets Best: Pets Best is a great option if you’re looking for affordable and flexible coverage. They offer various plans, including accident-only and wellness add-ons. They also have a shorter waiting period for accidents and hip dysplasia, and you can even set up direct payments to your vet, which can be super convenient.
- Healthy Paws: Healthy Paws is ideal if you want unlimited annual and lifetime coverage. Their plans cover a wide range of conditions and treatments, and they are known for quick claim processing and excellent customer service.
- ASPCA Pet Health Insurance: ASPCA provides broad coverage, including dental illnesses, behavioral issues, and alternative treatments. They also cover exam fees, which can save you a lot of money on vet visits. Plus, they cover horses as well as cats and dogs.
- Figo Pet Insurance: Figo is great if you’re looking for 100% reimbursement and unlimited payouts. They have a user-friendly app and cover a lot, including alternative and behavioral therapies without extra fees. Just note that they don’t offer an accident-only plan.
- Lemonade Pet Insurance: Lemonade is known for its fast and straightforward digital claims process. They offer comprehensive coverage with optional wellness plans and provide discounts for multiple pets. They also have one of the shortest waiting periods for accident and illness coverage.
- MetLife Pet Insurance: MetLife offers flexible plans and quick claim processing. They have no lifetime or per-incident limits and offer discounts for multiple pets, making it a great choice if you have more than one pet.
- Pumpkin Pet Insurance: Pumpkin is perfect for puppies and kittens, offering comprehensive coverage that includes dental illnesses and hereditary conditions at no extra cost. They also offer a 10% discount for each additional pet.
Related Articles:
Summary
To cancel your Trupanion policy, simply call their customer service at 888-733-2685, provide your policy information, and request a cancellation confirmation via email.
You can also cancel through their online chat. This guide will help you through the process and suggest finding a more reliable and affordable insurance plan for your pet.
Trupanion offers comprehensive coverage for various medical issues, including hereditary and chronic conditions, with no annual or lifetime payout limits. However, they don’t cover exam fees, preventive care, pre-existing conditions, or preventable illnesses.
If your vet accepts Trupanion Vet Direct Pay, claims are processed directly; otherwise, you can submit claims online or manually. Knowing these details can help you make an informed decision about your pet’s insurance coverage and ensure you get the best value for your money.
