After we got Cookie, as soon as we were able to have her checked out by our vet, we enrolled her with Trupanion as well.
We got the premium plan, which ought to cover about anything and everything, including any fancy treatments you can thing of.
Of course, theory is one thing. The only real measure of any insurance is what happens when you actually make a claim.
We have now made our first claim for Cookie.
Because of her off and on lameness we got some x-rays taken and we are following through the recommendation of physical therapy for her.
We received first response on the same day the claim was filed.
We wanted to let you know that we have received your claim for Cookie we will make completing it as quickly as possible our priority. All of us at Trupanion would like to thank you for doing everything you can to take care of Cookie.
We got a confirmation email for each of the claimed invoices; one for the x-rays and one for the hydrotherapy, probably because they are each with a different hospital (clearly not every hospital has an underwater treadmill). The response to the hydrotherapy claim has a note that they are requesting more information. (The claim form doesn't really have much room for details where it could be explained that the two are related, even though they were both filed together by Cookie's primary vet)
Two days later we received another email, that Cookie's claim is in the works.
Your claim is currently being reviewed.
Since this is your first claim for Cookie, we may need extra time obtaining Cookie's medical records. If the medical records are straightforward, you should expect our assessment within 14 days from the day we received your claim.
Fair enough, though I don't know whether 14 days is good or bad timing, since this is our first pet health insurance claim ever.
There is also a link to our Trupanion account where we can review the claim status online.
So now we wait. I will keep you posted.
Getting On The Pet Health Insurance Wagon: Does Being Insured Equal Being Covered?
From The End Of A Lead Line To Casa Jasmine: Meet Cookie, Our New Adoptee
And So It Begins Again(?) Our First Health-Related Heart Attack With Cookie
I Didn't Know I Could Fly: Why Cookie Wears A Harness Instead Of A Collar
C.E.T. Oral Hygiene Chews For Dogs CAN Be A Choking Hazzard
Our First Health-Related Heart Attack With Cookie: The Knee Or The Foot?
Creative Solutions And An Incidental Product Review
Too Young For Pot: Cookie's Snack With A Side Of Hydrogen Peroxide
Taming Of The Wild Beast: Cookie's Transition To Civilization
Staying On Top Of The Ears: Cookie Is Not Impressed
Putting The Easy Back Into Walking
Cookie's Ears Are Still Not Happy
The Threat Of The Bulge Is Always Lurking
Today Is Cookie's Three-Months Adoptoversary
Cookie Meets The Electric Horse Fence And Her First Chiropractic Adjustment
Why Examine Your Dog's Vomit?
Why Is That Leg Still Not Happy? Cookie's Leg Keeps Getting Sore