Camellia Camelo and Carol
Join Date: Feb 2012
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Photo Submissions 4 Times in 4 Posts
Michele has the same experience I do with Trupanion. I took out insurance on Camellia the day she became my dog (with Trupanion), and I took the 90% coverage, no deductible. I wasn't expecting to make any claims, but then Camellia showed up with allergic dermatitis - very expensive shampoo and spray, and Trupanion is reliably covering 90% of that expense, every time I buy the stuff. Here in Canada, it's only available from veterinarians (DOUXO calming shampoo and spray).
Trupanion did a VERY careful investigation to make certain the condition wasn't pre-existing. Since Camellia was a private rescue, I was able to get her history from the woman who sold her to me, and a list of the vets she'd seen. They checked with every vet.
They ALSO encouraged me to keep submitting claims, because, they said, theyre not like car insurance, where you're penalized for submitting claims; they will cover this for Camellia's lifetime. It's medical/accidnet insurance.
My information is the same mentioned - that is, if a cruciate ligament is ruptured and repaired, they won't cover a rupture on the other side; it's then treated as a pre-existing condition.
So you really do need to study their policies, and compare with other companies. My point about Trupanion is that they seem to me totally reliable, and totally honest. So I always know where i am, and they answer questions, too.
I have to cover all the basic expenses first, though. I knew that from the start.
By the way, I decided to take out insurance because I had to scrounge for my previous dog, who was diabetic. And these days, with medical expenses for dogs going the way they are (rising; partly because medicine keeps improving, and vets have high overheads), I could never save enough, on my fixed, eroding income, to cover dogastrophic expenses, should they come along!)
Sat, 14 Apr 2012 21:31:33 (PDT)