Camellia Camelo and Carol
Join Date: Feb 2012
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Photo Submissions 4 Times in 4 Posts
I'm in Canada, and I went for Trupanion. I pay $58.something per month, and still have to pay all the basic expenses.
Never had vet insurance before, but I'm happy with Trupanion. I wasn't EXPECTING to need it, but I DID! Previously, I had a diabetic dog, and it would have helped tons to have insurance with Trupanion.
Camellia is a private rescue, aged 3.5 when I got her, 16 August 2010. On 25 October last year, she was diagnosed with atopic dermatitis - it's being expensive to manage - very expensive shampoo and spray, available here only from the vet, and lots and lots of antihistamines - almost constant.
Trupanion researched pre-existing conditions for Camellia, and the woman who sold her to me provided names of vets who had attended her - three differnt ones, I think. Trupanion doesn't cover pre-existing conditions.
I took the ZERO-deductible, which pays 90% of costs for eligible conditions.
Trupanion encouraged me to submit claims for the antihistamines, even though I get them at the pharmacy, not the vet's. They don't penalize for making claims - they told me it's not like car insurance.
And Camellia is covered for her lifetime. (Of course, assuming I keep up the premium payments!)
With my diabetic dog, Kumbi, I learned that expenses can pile up in the blink of an eye. And for some conditions, they become quite massive. There's no way I could save enough, even if I put those premiums in a savings account, to cover anything LIKE expenses that are so high.
So, for my sake and Camellia's, I pay the premiums happily.
Submitted claims are investigated quickly, and paid promptly. That's my experience with Trupanion, anyway.
Sat, 9 Jun 2012 18:29:07 (PDT)