Complaint Review: Trupanion

We took our little bulldog in to our local vet because she was sick - she was coughing and had blood in her urine.

We have Trupanion policy that has a three hundred dollars deductible. Our bill for all the work was $900. We submitted a preapproval before we agreed to having her treated.

She was diagnosed with bronchitis that resulted in lots of phlegm and an ear infection. She also had a urinary tract infection that resulted in blood in her urine and stool.

After submitting a preapproval request Trupanion agreed to pay $450 dollars out of a $900 bill that is taking into account the three hundred dollars deductible.

When we got the final bill Trupanion only covered $77.   After speaking with Trupanion they said oh no every single difference malady is subject to a $300 deductible.

Coughing and sneezing was covered separately and the cost for such treatment did not reach the deductible of $300.

Infection in the ear was covered and that was covered separately by Trupanion and that didn’t reach $300. Blood in urine she was covered separately for that did not reach the three hundred dollars deductible.

Blood in stool she was covered separately for that did not reach the three hundred dollars deductible on its own.  

Trupanion associated a separate $300 deductible with every single problem she had from being sick.

It’s as if my dog was hit by a car and broke her left leg and her right leg and Trupanion is trying to say they’ll assess a three hundred dollars deductible on her left leg and he three hundred deductible on her right leg.

Trupanion is deceptive and follows very bad business practices. Over the last four years we have spent $12,000 in premiums for both our bulldogs. Every time we submit a claim it’s terrible they deny coverage or try to split what was done to our dogs into separate items so they don’t have to cover everything in total.

We are canceling this is the final straw we are canceling our insurance and beg others not to trust this deceptive company.