Questions to Ask About the Provider
Question: How does this provider handle renewals? (Example: If my pet is diagnosed with hip dysplasia one year, is that problem considered a chronic or pre-existing condition when the policy comes up for renewal?)
Trupanion's Answer: Trupanion's policy is continuous until cancel, making all conditions (that were not pre-existing) covered for life.
Question: Are there any complaints about this provider on record at the Better Business Bureau?
Trupanion's Answer: No, Trupanion is a Better Business Bureau accredited business.
Question: Does this provider have good ratings at independent websites that review and/or publish customer ratings of pet health insurance companies?
Trupanion's Answer: Yes, please visit Pet Insurance Review and check out Trupanion and Vetinsurance (Canada).
Question: Are this provider and the person selling the insurance licensed in my state/province?
Trupanion's Answer: Trupanion is currently licensed in all of Canada and AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY and Puerto Rico. (8/11)
Question: Does this provider offer high-deductible policies?
Trupanion's Answer: Yes, we offer a flexible deductible up to $1,000 per incident.
Question: Does this provider offer a money-back, trial period for new subscribers?
Trupanion's Answer: Trupanion offers a 30 money-back guarantee, if you have not made a claim.
Question: Does this provider exclude coverage for pets the same species, breed and age as mine?
Trupanion's Answer: Trupanion enrolls all dogs and cats over 8 weeks old and under 14 years old.
Question: Did this provider respond quickly and thoroughly when I requested more information?
Trupanion's Answer: Trupanion help is available 24 hours, 7 days a week at 800.569.7913.
Question: Will this provider allow me to change or revise my pet's policy before the renewal date without charge?
Trupanion's Answer: You have the option to change your deductible amount without penalties. If you enroll your pet before their first birthday, hip dysplasia coverage can be added to your pet's policy up to 30 days after policy effective date. These changes can be made without charge.
Question: Does this provider offer multiple pet discounts?
Trupanion's Answer: No.
Question: Did my veterinarian recommend this provider?
Trupanion's Answer: Trupanion makes it easy for your veterinarian to recommend us by offering simple, fair, and affordable coverage.
Question: Will this provider reimburse services provided by my veterinarian, or am I required to use a veterinarian in this provider's network?
Trupanion's Answer: Trupanion covers any licensed veterinarian, including 24 hour emergency centers and referral specialists, in the US or while temporarily in Canada.
Question: Is the information I received from the provider consistent with what I read on the company's website and in its brochures?
Trupanion's Answer: Trupanion strives to be consistent and transparent. If you have any questions please contact us at 800.569.7913.
Question: Will this provider accept my pet for coverage if a different company provided health insurance for my pet in the past?
Trupanion's Answer: Yes, but any conditions that occurred prior to signing up with Trupanion pet insurance would be considered pre-existing, and not covered by Trupanion.
Question: Am I comfortable with this provider's complaint process?
Trupanion's Answer: We welcome feedback as an opportunity to improve our services. Please direct all feedback to 800.569.7913.
