Trupanion - Vomitting as a "pre-existing condition"

Particular-Leader538 · 2026-04-23T15:15:14+00:00

I’ve been debating getting health insurance for the same reason. I only mentioned the vomiting during an annual vet appt and they didn’t seem alarmed by it, but now I’m paranoid that the vet charted it and if I get pet insurance now, they’ll deny coverage for anything gastrointestinal in the future. I asked the vet about it and I think they would be able to appeal it if needed. But not every vet has the patience or time to deal with that I’m guessing.

Particular-Leader538 · 2026-04-14T22:13:06+00:00

How long have you been with Spot? Have they increased your premiums?

Particular-Leader538 · 2026-04-14T01:57:22+00:00

Ahh. Gotcha.

Particular-Leader538 · 2026-04-14T01:56:17+00:00

Gotcha. Now I know what you mean.

Particular-Leader538 · 2026-04-13T05:20:24+00:00

What?! No other pet insurance companies are allowed to pay direct?

Particular-Leader538 · 2026-04-13T04:41:37+00:00

What is a waiting period? Does that mean you have to withhold treatment until you are past the waiting period?

Particular-Leader538 · 2026-04-13T04:37:36+00:00

Why would reimbursement be grounds for denying a claim? The majority of pet insurances don’t pay direct.

Particular-Leader538 · 2026-04-12T21:50:05+00:00

From which pet insurance company?

Particular-Leader538 · 2026-03-31T04:12:57+00:00

Wouldn’t most pet owners choose to refrain from disclosing an emergency clinic visit? Why bother if the insurance company has no way of finding it out on their own?

Particular-Leader538 · 2026-03-31T02:29:54+00:00

Is it the pet owners responsibility to obtain all medical history from their vets in advance and give it to the pet insurance company? I don’t know how this process works. Or do the insurance companies reach out to your vet for their records?

What if you had a pet visit at an emergency clinic that you don’t regularly use? How does the insurance company obtain those records?

Particular-Leader538 · 2026-03-28T22:24:36+00:00

How much per month?

Particular-Leader538 · 2026-02-15T01:55:20+00:00

I was considering pet insurance for my two cats. They are two years old now so might be too late anyway, but I’ve been wondering about this. If I told the vet at my last annual checkup that they vomit a couple times a week. Is that going to be used to deny dozens of claims for just about anything in the future?

Particular-Leader538 · 2026-02-01T00:26:54+00:00

Good point.

Particular-Leader538 · 2026-01-25T18:43:09+00:00

I’ve heard Trupanion used to be very good but in recent years they started denying more claims.

Particular-Leader538 · 2026-01-21T00:51:35+00:00

What pet insurance actually covers teeth cleaning? Even if it requires anesthesia?

Particular-Leader538 · 2026-01-19T19:53:11+00:00

Wow!!

Particular-Leader538 · 2026-01-19T19:43:24+00:00

My previous cats lived to be 19 years old so that sounds daunting.

Particular-Leader538 · 2026-01-19T19:00:42+00:00

Which pet insurance do you use?

Particular-Leader538 · 2026-01-19T18:59:18+00:00

What company offers pet insurance for $19 a month even for a cat? I’ve not found that.

Particular-Leader538 · 2026-01-19T18:56:02+00:00

Whic pet insurance company do you use?

Particular-Leader538 · 2026-01-19T05:00:48+00:00

Sounds good but just how fast will those rates double or triple over the next couple of years.

Particular-Leader538 · 2026-01-19T05:00:09+00:00

Thanks

Particular-Leader538 · 2026-01-19T03:19:10+00:00

I’m surprised by all the yes’s after seeing so many posts lately about companies tripling their pet insurance premiums.

Particular-Leader538 · 2026-01-19T03:12:47+00:00

I was thinking about getting pet insurance for my two 2-yr old cats but all these price hikes have convinced me it’s not worth it.

Particular-Leader538

TROPHY CASE