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Trupanion's Blog is dedicated to help educate people with pet insurance and pet health information, but more importantly, to have fun!

Why you shouldn’t cancel your pet insurance

Often times, we are faced with difficult decisions, especially when it comes to finances. When we look for ways to cut spending, pet insurance may be on the chopping block since your pet has been healthy so far and you’ve never needed to use it. Sadly, the thing about insurance is that you usually don’t know when you will need to use it. After all, that is why we have insurance in the first place.

When it comes to the health of our furry best friend, pet insurance can be very helpful in times of need. Very recently, a former policyholder decided to reach out to us via our online chat and share her story:

Hi, Jen. I don’t have a question – I have a statement that you’ll want to use. I had a Trupanion policy through August 31st of this year; thought the cost was a bit high, and my 7 yr old GSD had pre-existing issues. I cancelled the policy. On Sept. 21st, he had a nosebleed; another on 9/28. We discovered a fungus in his nose; after $3200 out of pocket, the internal medicine vet said – do a internal nasal scope, into sinuses, etc. I couldn’t afford another $3200+ (he had told me “more than you’ve already paid..” so I figured perhaps up to $5000. I asked for a Plan B; it was Itraconazole. Max had already just been put on Piroxicam for pain (hips), so we went with the $559 Rx on 10/11/13. He was dead by 11/3/13. I am devastated. I want people to know the cost is never too great. Get a policy now and keep it up. Thanks. -Pat B.

We are very saddened for Pat’s loss and our hearts go out to her. Thank you for letting us share your story with others as a reminder of the importance of pet insurance.

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2 Responses to Why you shouldn’t cancel your pet insurance

  1. Joanna Blink says:

    Wish I had Trupanion insurance. Instead I have PC Pet. Found out last night that my co-pay has changed from 80% to 60% on one dog and 80% to 50% on the other. One is a kidney dog who requires monthly meds and somewhat regular bloodwork, but not an excessive amount for drugs with him. The other had CCL surgery (extra capsular in the amount of approx $2200) for one knee and the other knee will soon require it. I have until Dec 31st to do that surgery before the co-pay changes. That is essentially the only health issue she has had. I understand co-pay can change but did not expect such a dramatic reduction. Not to mention they only cover $2000 annually for the knee and bilateral CCL is considered the same so the coverage would have remained at $2000 if her other knee had gone within the year (which is often the case!)

    Will likely cancel her insurance after the knee surgery though. I would rather put money away each month

    Not impressed with PC Pet Insurance!

  2. Sierra@dogs arthiritis says:

    Well written post..I am agreeing with your viewpoints pet insurance is the right way to reduce the load of money and stress of dog owners because we can’t rely on our pets for security. Thanks for sharing this educational post better perception for insurance.

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