I have Trupanion for Guinness. I got it right after we adopted him a year ago. He was adopted from a rescue and had no pre-existing vet records when we got him except for the work the rescue had done (dental, vaccines, etc.). I just took him in for his annual check and as expected he needed another dental. The vet said it appeared a couple of teeth would need extraction and he thought Trupanion should cover that. I told him I was led to believe dentals were not covered and he said yes the dental cleaning would not be but extractions due to periodontal disease should be. We submitted a preapproval for a "worst case scenario" just in case and they approved it! Thank god we did...he had the procedure done on Tuesday and a LOT of teeth were removed...it was worse than we expected but they covered everything except the $60 cleaning portion and 10% of the entire procedure. It came to $908 total and they paid $760 of it! I could not have been happier about it...mainly because Guinness was under the best care, they did x-rays which revealed underlying issues. Anyway, he is doing great and I would not have thought this would be covered as I thought it would fall under dental. I pay more monthly to have a zero deductible but now am very happy I made the choice I did. Being faced with a huge bill versus a monthly fixed amount to assure he gets his needs met is worth it for us! |