I had a horrible experience w/Trupanion… they had pre-approved surgery for my dog, and then denied the claim weeks later. My baby died after surgery, and the only thing they would cover was the trip to the emergency clinic. They based their decision on a side note that my vet had written in his chart. I EVEN had a letter from the vet stating his comment was NOT a diagnosis, but it didn't matter. I didn't expect them just to cover the surgery because my baby had died, but I had at the least hoped that they would honor their word
I will never have pet insurance again… we having a savings account that is specifically for pet expenses. If it's catastrophic then we will hit the credit cards… I won't go thru that again w/another pet insurance company!!!