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Trupanion
Overall Satisfaction Rating
2.38/5
  • 5 stars
    32
  • 4 stars
    1
  • 3 stars
    0
  • 2 stars
    4
  • 1 stars
    49
Based on 86 ratings submitted in the last year
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    133 Trupanion Consumer Reviews and Complaints

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    Page 1 Reviews 1 - 30
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 15, 2019

    Scam company, avoid at all costs!! Go with Figo or Healthy Paws. Trupanion only has customers because of the free month sign up program they have in vets' offices. Well guess what, I signed up for that, sure enough my puppy needed to go to the ER 3 weeks later, I submitted the claim (mind you ONLY FOR $300) and they declined all of it! The reasons they provided were completely FALSE and fabricated dates, I had proof which I responded back with. THEY DID NOT EVEN ANSWER MY EMAIL AFTER MULTIPLE FOLLOW UP ATTEMPTS. Horrendous, horrendous experience. Stay as far away as possible.

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    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 15, 2019

    Total rip off!! I asked for a pre-approval for some fractured teeth, waited 3 weeks only to be told they don't do CLEANINGS! If my vet had not specifically written that he had "examined" his teeth, which he had, and my vet told me my dog's needed to be cleaned but nothing more was wrong. The vet did not note the fact that he examined his teeth in his chart, as my dog was there for something else, so because the vet didn't note it, then I'm SOL with Trupanion.

    I knew he needed to has his teeth cleaned but just never got it done until later when I went to a dog Dentist (who I had taken another of my dogs to previously who had some teeth issues) who said my dog had some fractures, which needed to be addressed and they are not the same thing as cleaning, so should be covered... but no. ---

    "We don’t cover any dental illness or injury found on your pet's first post-enrollment exam if your pet's teeth were not examined 12 months prior to enrollment." ---- (They were examined, my regular vet always examines the teeth as a matter of routine when I bring any of my pets in, the vet just did not note in my dogs file as it was routine exam and I was there for something else.) "As this condition was found on the first post-enrollment dental examination, we can’t cover this claim. (7.A.ii) We don’t cover dental cleanings. (7.C.ii) ----(this isn't CLEANING!!)" TOTAL RIPOFF - I figured pet insurance was too good to be true. They were more than happen to take my monthly payments, but when it came to doing what they said they would do, cover my pet forget it - so I say forget it to buying worthless insurance from Trupanion!

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    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 12, 2019

    If I could give them 0 stars, I would. I purchased ins. for my cat in Nov. 2017. As of 1/1/2019 my premium almost doubled. Just prior to purchasing coverage she had a severe kidney issue which my vet pulled her through. Once I started filing claims however, they tied everything back to her kidney problem (even though it was no longer an issue). Once I was told that my vet couldn't prove that the issue WASN'T due to her kidneys. Sometimes they pay claims with no issues, but most of the time they are denied claiming the issue was due to kidney function, even though her kidneys are functioning perfectly.

    During a routine exam last year my vet found a heart murmur. The first claim was paid. In Jan I took her in for a follow up exam (which was at no charge) and they denied the meds and test results stating that: 1) the meds and supplements she was given (which are supposed to be covered) "may help treat her chronic kidney disease" (which she does not have) and 2) the radiographs and x-rays are not labeled properly with her name so they maintain they are not for my cat. Not only was I in the room when the films were done but the lab report specifically cites tests for my cat by name.

    The rules they cite in their denial, which they provided, do NOT specify that the names have to be visible, only that they have to be maintained at the vet's office. My vet has corresponded with them, I have called them repeatedly on this claim, but they still deny it. They will deny claims for any reason they can conjure up. I DO NOT recommend them. I contacting the State Board of Ins. as well as my attorney.

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    Rated with 1 star
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    Verified Reviewer
    Original review: Feb. 2, 2019

    We recently purchased Trupanion insurance to cover our French bulldog. We signed up on 1/4, and Trupanion sent us an email on 1/25 saying we could begin submitting claims. Our dog was neutered and has soft palate surgery on 1/29. We filed the claim and they REfUSED to accept it because they said we did not wait 30 days. Why did they send us an email to begin submitting claims on 1/25 if it was not true. This is falsely misleading us, the consumer. This company is such scam. Don’t waste your money and just find another pet insurance. Due to this incident, I’m filing a dispute/complaint with the Better Business Bureau. They should not get away with sending false and misleading information to their consumers.

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    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 31, 2019

    We have a 4 year old Golden Retriever-- Trupanion sounded like a good idea at first. They said as a puppy the premiums would be much lower and we would not pay the premiums ever for an older dog and that they do not increase them because of age. We have a $250 deductible and Trupanion has us on a 90/10 payment. Well, our premiums have gone from $35 month to $87 per month in that period of time. So they are saying it is not because of age but because of the cost of care which is BS. The representative tried to spin the situation that it is a good deal with unexpected costs but I feel they are just taking advantage of all of us that love our pets. I wish I would have never heard of them, and certainly going to explore other options-- wish I would have done so originally.

    2 people found this review helpful
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    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 30, 2019

    I had prior experience with Trupanion prior to signing up my 2 year old lab last year. They were reliable and easy to reach and had a great experience when one of my other dogs had an accident. They handled the expenses perfectly. I thought everything would run as smoothly. Unfortunately 10 months into my first year with my lab (whos in excellent condition) they surprise me with a 25.7% premium increase! I thought it must be a mistake. Poor "Customer Service" Rep couldn't say anything but their script that rates are based upon...blah, blah, blah. Not sure about the rest of the world...but not much in my area related to dog costs fluctuates 25%.

    Until today, I would have rated them 5 stars. Dropped to one based upon unreasonable and ridiculous increase. Left me feeling. Did they screw up my rate for last year? Or did they screw it up this year? Or are they simply being greedy in trying to increase premiums once they have someone 'on board'. Bad business practice. Forget using them... more importantly sell their stock. TRUP (NASDAQ). It's already down 45% in the last 6months.

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    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: Jan. 28, 2019

    My veterinarian encouraged me to purchase pet insurance when I adopted a second cat. The vet said in a vague way that all cats had variable risk for these issues, and since I was adopting a second cat, it might be good to spread out that risk. At that time or at some time before, he told Trupanion that one of my cats was a particular risk for periodontitis. Trupanion later used the vet's report as a reason to deny my claim.

    I can't rule out that one hand may be washing the other. I called to cancel my insurance the next day. I had to call because this is not a thing you can do on their website. Although they answered promptly, they did not immediately cancel my insurance. Instead I got a promise that I'd hear back in 24-48 hours. The rep on the phone promised to confirm this turnaround time in writing. So far, they have not done so. I do not trust this company, so I'm writing this review in part order to document the time frame of my request for a cancellation. I'm displeased with my Trupanion experience.

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    Rated with 2 stars
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    Verified Reviewer
    Original review: Jan. 26, 2019

    Being available 24/7 is good... But they really try and hide the fact that they don't cover examination/consultations/any verbiage like that. I understand deductibles... But if your claim is accepted, they should cover the exams, etc... Just like car warranty and personal insurance, pay upfront then get reimbursed once accepted... Once our "trial" is over will be going with a more common sense pet insurance company, that actually cares and isn't a scam... I even sell cars and this is scam. Lol.

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    Rated with 1 star
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    Verified Reviewer
    Original review: Dec. 22, 2018

    When I brought my cat to the vet for seizure-like behavior, the vet referred me to a neurology specialist and also provided me with a 30-day trial offer of Trupanion, as they knew the cost of imaging was going to be expensive. I signed up figuring what the heck, I had nothing to lose, but I had no confidence in them covering anything. Reading through the site's rules, normally there's an 18 month waiting period (meaning you aren't covered for something in that time), but signing up for my 30 day trial through the vet sponsorship, the website said there were no waiting periods in my case.

    So I filed my claim after a ~4K bill for an MRI. A month later Trupanion says my claim is closed, they will pay nothing since this was a pre-existing condition. Which of course was the case since I signed up after going to see a vet in the first place! What a sham. Plus, if you're paying over 100 bucks a month as a premium, and you have to wait 18 months to get anything back (and that's not guaranteed), you are way better off just saving a bit as an emergency fund for your pet. Insurance in general is all about the company making money, and this Trupanion experience has just confirmed this. This company just cares about their bottom line, they'll find a reason not to pay claims.

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    14 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Dec. 20, 2018

    This company is all about the money and could care less about your beloved pets. Once you've signed with them and they pay a claim for a condition, you now have a pre-existing condition that will not be covered by another company if you choose to change. If you have a sick pet and you can't afford your monthly premium, sure you can raise your deductible to lower the rate - however - now you have to meet that new increased deductible on your illnesses for them to resume payment on your claims! So now here you are, your pet has a pre-existing condition that another company will not cover, you can't afford your premiums and you can't lower the cost because then you are out of pocket until the higher deductible is met. It's all about the money. Find a reasonably priced caring insurance company that actually cares about you and your pet. Don't get yourself stuck like I am with these thieves!

    13 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Dec. 11, 2018

    Part of the reason for insuring with Trupanion was their claim that premiums would not increase along with the pet's age. In the 7 years since we began coverage with this company the policy premiums have doubled. The most recent premium increase was 20%. They claim this is because of increased veterinarian costs in my area. This is entirely false, vet expenses have not doubled in 7 years. When I point this out to them they come back with some obfuscation about the overall economics in my area. Now I feel somewhat trapped into continuing as I've already invested a huge amount in this policy. I feel like I've been scammed by this company.

    27 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: Dec. 1, 2018

    I have had an absolute horrible experience with this company over the last two weeks. I have only been insured with them for a couple months, but my Bulldog has recently had a partial pulled/tear to his ACL. We have been looking at alternative ways to help him other than surgery. I got in contact with Trupanion immediately to figure out my options. I first spoke to Amber ** and she told me as long as my veterinarian approved the alternate care they would cover it. She was suppose to send over a pre-approval form but never attached it to the email. I then had to contact them three more times over the next week to try and get this pre-approval form. Finally today I spoke to Bonnie **, just to be informed that what is being recommended for me to do as an alternative healing process (laser therapy) is not covered by my $120 a month coverage plan.

    I have had to take my boy to three different vets and pay out of pocket, they don't cover office visits, to get a veterinarian to sign off on a paper and estimate and now they won't even cover it. And then she informed me they have an extended plan (never mentioned to me) that would cover it BUT won't now because it would be considered pre-existing with the new plan. At that point I was so frustrated that I wanted to cancel my plan altogether just to be informed they can't cancel it on the weekend and someone will be in contact with me in 2-3 business days.

    I'm sorry Monday is in one day, and I am unhappy with your service and now you're telling me I have to wait longer than Monday to cancel my plan? For this company to act like they care so much about the well being of your pet it sure doesn't seem like it to me. Not to mention all the horrible reviews on here and somehow they still have a good star review. That is very concerning to me. Stay far far away.

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    15 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 27, 2018

    Pet Owners, please do yourself and your pet a favor by getting another pet insurance company. This company is not reputable. If your dog has multiple tumors, they will say each one is separate (if they haven't found a way to claim it is a preexisting condition). If your pet is ill and needs diagnostic tests, they will not pay for them if they can find a way to say the pathology is not covered. You are not safe with this company.

    17 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 21, 2018

    I purchased Trupanion pet insurance almost a year ago for my Boston Terrier puppy, who is now 13 months old. I was paying $42/month. I got a notice by email advising that my rates are going up to $52/month. I contacted them, and they advised me that due to inflation, and the increased cost of veterinary services for my specific breed and/or my location, the rate is going up. They advised that they do this every year, and stated that in SOME cases, the rates can go down. I find that hard to believe. I now have no doubt in my mind, that if I stay with Trupanion, they will increase my rate a year from now. When I initially signed up for Trupanion, the possibility of rates increasing, or decreasing was never mentioned. Also, to be clear, I have not yet made ANY claims. I highly recommend that you shop around, and choose someone other than Trupanion. I am going to shop around now.

    16 people found this review helpful
    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: Nov. 15, 2018

    When I bought my kittens, I received 30 free days off Trupanion coverage. So far, I'm horrified by then. When I took my kitties in for their first Well Check, I knew it wouldn't be covered, as per their policy. But when they both developed sniffles, I figured the visits would go toward their deductible. Turns out, only their medication counted toward the deductible. The visit itself (the majority of the book) is excluded, as they don't cover your pet actually being seen. I'm not sure how they expect me to have my pets seen, diagnosed, and prescribed medication without actually having them examined.

    What's more, the piddling amount for medication that was applied to the deductible will mean nothing if they need to go back for another issue, as EACH INDIVIDUAL ISSUE is considered a new $250 deductible. For $10 a month more, I'll be going with Nationwide. Their plan covers EVERYTHING. Exams, illness, wellness check, medication, catastrophic issues, injuries, dental, preventative care. I have no idea why, with such a better option, anyone would opt for this sham.

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    9 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 15, 2018

    My dog was diagnosed with pancreatitis. He had all the signs and symptoms after ingesting a bite of fatty food. During all this, I signed up for Trupanion Pet Insurance -- since it was advertised everywhere in the vet's office -- in case anything further came up in the future that was unrelated since that would now be considered pre-existing, which is understandable. I signed up for their 30 day free trial. Well, something did actually come up unrelated. Within a week, after being on the mend and acting like himself again, he began to feel unwell, but this time with a round of totally different symptoms. I took him to the ER and he was diagnosed with anemia and neoplasia.

    The ER vet assured me this was completely unrelated to the pancreatitis and was a totally different matter. I submitted the claim to Trupanion and it was denied. I appealed the denial and that was denied. They're stating that his anemia and neoplasia was related to his pancreatitis and gastroenteritis. One has nothing to do with the other and even the symptoms were totally different. I submitted all his medical papers and highlighted everything and even included a letter from the ER vet specifying all of this. Apparently, that doesn't matter to this company. After all this, I will probably have to take this issue to small claims court. I understand insurance fraud is an issue in companies, but this is a true and honest situation here with all the documents to back it up. I'm so heartbroken about my dog. This company has no integrity.

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    20 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 10, 2018

    Long and short of it I have been paying out $70 a month for 3 years. I ran into a situation where my dog had 3 tumors. One of which was biopsied Round cell and the Vet advised that I have them removed because my dog could have Cancer. I called and every time you call to speak with insurance you speak to someone different. None of their employees have extension numbers and their automated emails come back constantly. Finding a human on the other end to help you is nearly impossible. I spoke with two supervisors and 5 different reps for the company. All of them acted all kind and said the claim would be pre approved and would go through. Well it did not.

    They are claiming that my dog had a preexisting anxiety issue, so therefore they can’t cover the ** that Vets use for any Pet when they have surgery. They also said that it was in their policy that I have to pay a deductible for every tumor as if they are separate issues. All the tumors are different types and unless my vet can prove otherwise then they won’t cover 90% as promised. They also stare even if I do know the types and they are the same that I still have to pay a deductible for each tumor. This is insane.

    They just want your $$ and when you are in distress with your pet and they fail to come through they are worthless. I am not happy with %50 coverage when they have said 90% in their ads. Might I add they sent me a new policy stating I had to renew it or lose coverage when it wasn’t due to be renewed. Yet they determine when they get to rewrite their own policy in order to manipulate how much $$ they will cover for your pet. If you have faced similar issues send me an email because I am considering a class action lawsuit. This company shouldn’t exist in my opinion. SAVE YOUR $$$ because in the end they will say one of the following: It’s preexisting. It’s not covered in their policy or somehow they will change their policy. You didn’t take care of your dog properly so they denied the claim. Your Vet didn’t provide medical paperwork so they deny your claim. Basically for any reason they will either half ** cover you or deny you.

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    19 people found this review helpful
    Rated with 2 stars
    Verified Reviewer
    Original review: Nov. 7, 2018

    This company was recommended by my former Vet All Pet's in Nashua, NH. and if there is absolutely any mention of anything in your pets record before you sign up it will not be covered. My vet told me about a year back or so to make sure you brush your dog's teeth because she could get gum disease. Well they put in my record that my dog had level one gum disease so when I came back with a request of course I was denied coverage. So I went to cancel this policy and they offered me a "Paw Print" or whatever they call it where do a complete history on your dog to see if there is any other issues that may not be covered in the future and this was free of charge so I agreed.

    Two months goes by and nothing from Trupanion?? I called and they stated to me well one hospital never responded so we suspended the research. No phone call, no email or communication but they made sure they received their $79.00 per month for those two months. There are many companies out there. Make sure you do your research. I wish I would have done my research and homework before I signed up with them.

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    8 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: Nov. 5, 2018

    Absolutely disappointed with this company. The purpose of insurance is to help the animal with any health concerns. Trupanion declined my first and only claim. Please explain to me why I pay so much for my pet's insurance, if you don’t do your part. Save yourself the money. Not worth it. Customer service is clueless on how to answer questions and properly deal with concerned animal lovers. This is a money pit. You’ll pay and receive nothing in return.

    14 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Nov. 3, 2018

    Trupanion was there for my dog from the start. Unfortunately, my dog developed severe allergies at the very young age of 1 years old. After meeting my deductible, Trupanion paid 90% (minus the exam fees, which I knew wasn't covered) of ALL cost associated with his condition for the next 4 years. These cost included treatment by family vet as well as allergy specialists, ALL treatments, ALL medications, ALL Skin shampoos, ALL testing, ALL hospital stays. I couldn't have given my dog the care he had if it wasn't for Trupanion. I am truly appreciative of the service they provided from the wonderful customer representatives to the payout of claims. I have a peace of mind knowing that if my other dog should ever have the need for treatment of any kind, Trupanion will be there for me and him.

    4 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: Nov. 1, 2018

    If you are looking to insure your pet, stay away from TRUPANION. They deny coverage EVERY SINGLE TIME. They do not care about animals - they care about money. Save yourself the grief and find an insurer that TRUly cares about your comPANION. Predatory company out to make a buck off your heartfelt concern for your pet's health.

    18 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 31, 2018

    My advice to you is stay away from Trupanion... I have been paying into them since 2014, I made no claims. When I first got the insurance there was a 3 month waiting period and they asked for all the records available on my little dog, I provided them all of the records... In December my Therapy Dog was hospitalized for seizures due to tick meds and rabies shot, I paid the hospital and put in for the payment of the hospitalization, it took them forever to pay AND THEY REQUESTED ALL THE SAME RECORDS AGAIN.

    I recently put in for meds which are supposed to be covered, mind you just MEDS, so guess what they AGAIN ASK FOR ALL THE SAME RECORDS. 1165 PAGES WERE FAXED TO THEM, now they are telling me they don't cover manicures... I did not put in for a manicure. I only put in for meds... Don't waste your money. The aggravation alone isn't worth it. I would not mind but the salespeople did such a good job selling Marty ** and Michelle ** that I believed them and bought the insurance right away WITHOUT DOING AN RESEARCH, not only that but I foolishly recommended several friends who purchased the insurance, now I am going to look like an idiot.

    Now I am stuck, my little dog is 11 now and she has a couple of issues. I am sure I am paying into Trupanion for absolutely nothing so they can look for "any" reason not to pay. They are responding to me for things I never put in for. They are joke a very bad joke. So discouraged and disappointed. PLEASE IF YOU LOVE YOUR DOG OR CAT STAY THE HELL AWAY FROM TRUPANION.

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    11 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 26, 2018

    Terrible experience with this company. Incredibly devastated. I have paid them for years under the guise that they would cover my dog. Well when the time came- they denied all claims and stated "Sorry we changed our policy now and you should have read the small print." PLEASE BE AWARE- THIS COMPANY IS A SCAM- VERY SAD.

    22 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 22, 2018

    After getting my pet at a shelter I received a voucher for a free month of insurance with this company on August 18th. I "activated" his voucher for the free coverage (yet I never received an email or anything of the sort with a policy number). Fast forward to August 25th, I took him into the vet for an unexpected visit to have his eye looked at. I paid out of pocket due to not receiving a policy number from them from the voucher I "activated". I "officially" enrolled him with Trupanion about on the 29th of August.

    Fast forward another month. I had to make another unexpected vet visit for the same problem previously. Since I had his "official" policy number from his enrollment - I gave it to the vet to submit claims totaling over $400. Trupanion declined EVERY SINGLE CLAIM! I called their customer service line to speak with someone on why none of these are covered. Well - according to them my voucher was never "activated" and the claims are now considered a "pre-existing condition", which they do not cover. I gave the customer care rep the voucher code I used for his free month. The customer care rep said she would speak to a manager to see if they can do anything regarding this matter.

    4 days later, I get an email from the Customer Care manager saying there is nothing they can do and any further treatment for his issue will not be covered due to it being before his "official" enrollment date. SO basically I am paying them $50/mo. for nothing?! Needless to say I am cancelling them IMMEDIATELY. I would never recommend them to ANYONE EVER! Seems like they are just like every other insurance company, they want you to pay them but don't want to pay anything for you! STAY AWAY FROM THEM!!!

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    15 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 20, 2018

    First of all there's only one hospital that accepts Trupanion Express which they don't tell you about unless you ask. And that hospital is the worst. Big surprise... they say no to everything... to them everything's a pre-existing condition. Well I know my dog and it's not it's the veterinarians that don't know what the hell they're doing or saying veterinarians are worse than Trupanion. All they do is rise prices and ruin your dog. I'm suing 3 vet and Trupanion might be the fourth lawsuit. Anyone in?

    14 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 18, 2018

    Do not insure with these people. Expensive - but they deny every claim. They will look for any little loophole or hyper technical reading of the policy, in order to deny the claim. Sometimes, they will grant the claim and apply it to the deductible, then once you exceed the deductible, they will deny the claim for the very same condition. I have an entire stack of denials, most all of them inconsistent. They then make you go through an Appeals process, which is just a front for another "sorry, denied" email.

    They also pepper you with repeated requests for the same information, over and over and over - and send emails that state that the "claim will be closed" because of "insufficient" information, even when you have responded fully with all applicable medical records. All our pets are rescue pets. They deserve better than to be insured by a company, the sole purpose of which is to take your premiums and deny your claims. Shame on Trupanion. There is a special place in purgatory for companies like this - shame shame shame. Avoid at all costs. Do not use.

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    11 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: Oct. 17, 2018

    I signed up for Trupanion after my dog was diagnosed with giardia. Turns out a side effect of giardia is diarrhea. I take him to the vet, get him treated and the vet prescribes him meds. (No coverage!) but Diarrhea is gone. 2 months later, my dog eats a dead bird. He gets a really bad upset tummy for a whole week. I take him to the vet for the diarrhea, and what do you know! Trupanion now claims any diarrhea is somehow related to the giardia. Coverage denied!

    3 months later, dog gets conjunctivitis and a swollen eye, with a slight infection. Take him to the vet for treatment. Call Trupanion. No coverage! Your $250 deductible starts over with every single individual illness the dog may develop. Oh... on top of that, exam fees, x-rays, sick visits, shots, emergency visits, nothing that helps the vet determine the illness is covered. This company scams people. Everything I've had to pay for the dog so far has been out of pocket. DO NOT FALL FOR THEIR SCAM. Nationwide is a lot better with much better prices.

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    11 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 15, 2018

    I'm a believer in insurance as a method of sharing genuine risks across many people. Providing abuse is kept under control, insurance works. I am, however, very disappointed with Trupanion. My dog ate rat poison from a neighbor's yard and we rushed him to hospital. My Trupanion file says the claim was "accepted." Hooray. But does that mean they fulfilled their role of shared risk? No. They paid nothing because more than half the money I paid the hospital was determined to be an "examination." The other half was the deductible. The deductible I have no issue with (part of the shared risk I'm prepared to accept). But the "examination"? I brought my dog to the pet's equivalent of an emergency room.

    This suggests that every time you take your pet to a hospital or clinic or vet, not only do you have to pay the deductible, but you also have to pay for an "examination," which effectively doubles your deductible. This is a much larger deductible than their feel-good/pet-friendly advertising suggests. I'm disappointed and irritated at this bit of trickery (in my opinion), and it leaves a bad taste in my mouth about the company. I believe that Trupanion and their resellers and supporters (including vets and animal hospitals) should make this double-the-cost-deductible very clear to their customers... before they buy into the product.

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    12 people found this review helpful
    Rated with 2 stars
    Verified Reviewer
    Original review: Sept. 26, 2018

    I have 18 months of policy coverage for my dog, in good standing. Then she had a cancer diagnosis with $2400 in treatment. My policy has $1000 deductible and 10% co-pay. Trupanion adjusters reimbursed me just $670. Where's the rest? Turns out one can interpret "treatment" and "examination" in whichever way suits the company. "Examinations" are excluded from the policy. So unless your vet line items separately things like: "massaged exterior of tumor to diagnose size," and "restrained dog in calm position to perform lab sampling" etc... then Trupanion insists all of those actions are part of an "examination" which has nothing to do with treating your pet's condition.

    The policy documents are written to be intentionally vague. I requested a contract document with definition of each of these terms and was denied it. Bottom line -- you should expect this policy to cover diagnostics, labs, surgeries. And not to cover anything else that your veterinarian actually does. Then you can do the math on whether it's worth it -- $1000/year for coverage that winds up covering about 25% of real costs for treatment, on a per-diagnosis basis. Meaning, you'd have to have about a minimum $5000 vet expense, for one single emergency or injury, every other year in order to break even.

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    19 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 20, 2018

    Purchased pet insurance in June for my dog. In August my dog had watery eye. I bought over the counter pet eye drops for the dog. Which is 60 days after I purchase insurance. The eye drops worked for about a week. Next week she started scratching her eye a lot. I took her to the vet on 8/30. Vet gave me eye creams for dog see if they worked. 9-6 went back for recheck. He said eye not getting better. Had me schedule another appointment on 9-16. At that time he said she needs surgery asap. She has developed an ulcer cornea.

    Sent claims in to Trupanion. They denied it saying that this happened prior to the 30 day waiting period. It had been almost 60 days. Then vet sent them a letter explaining this is not a pre existing injury. They said letter from him means nothing and they still maintain this is pre existing and will not pay anything. So I researched on internet and they have been doing this to a lot of their customers. So they are just scamming people out of their money.

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    24 people found this review helpful
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    Trupanion expert review by Matthew Brodsky

    Trupanion is a pet medical insurance company founded by CEO Darryl Rawlings. The company is a founding member of the North American Pet Health Insurance Association (NAPHIA) and has been publicly traded since July of 2014.

    • Dog and cat coverage: With Trupanion, pet owners can get pet medical insurance for both dogs and their cats.

    • 90% coverage: The company offers pet owners 90% coverage of actual veterinary costs for all approved pet accidents and illnesses.

    • Unlimited lifetime coverage: Trupanion has no limit on the number of accidents, illnesses or years a pet can be covered for.

    • Educational information: The company offers pet owners educational information via its website and print materials, which helps give tips for health, nutrition and warning signs for illness.

    • Community focused: In addition to providing pet insurance, the company also contributes a lot to community organizations, contributing more than $200,000 to animal welfare programs across the country.

    • Best for: Pet owners with dogs and cats, new pet owners and pet owners with rambunctious pets.

    Profile picture of Matthew Brodsky
    Matthew Brodsky Insurance Contributing Editor

    Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

    Trupanion Company Information

    Company Name:
    Trupanion
    Year Founded:
    2003
    Address:
    907 NW Ballard Way
    City:
    Seattle
    State/Province:
    WA
    Postal Code:
    98107
    Country:
    United States
    Phone:
    (888) 733-2685
    Website:
    trupanion.com
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