Trupanion

If I could give them zero stars- I would! I decided to take out pet insurance about a year after I adopted my dog. She was 8 at the time. Though very expensive at $125 per month with $750 deductible per illness decided to go forward as thought if she got cancer or another illness would help with the Vet bills. The next year it increases to $137. Just a few days ago they increased to $225 per month! Almost double the cost of original premiums. I am just beside myside with upset over this. Had I known they could do this would never have taken out insurance with them. Not ever! They have never paid out a single claim. I had sent one bill in for anxiety related nail trim under sedation which they denied. They don't cover any regular annual visits either. They never paid out a single cent and then they double the rate. Gathering due to age and they claim because Vets have raised their rates.

I've had Trupanion for the life of my dog so I've paid over 10K in premiums. I recently submitted two claims because he'd gone to two hospitals and their ridiculous webpage doesn't allow multiple hospital listings. One claim was denied and I've waited over a month now for the second. When I look on the website it says status 'open'. I finally called and they said they have no record of a second claim, saying it was deleted because it was a duplicate of the first. I'm fuming! I've waited for reimbursement and now I have to go through the whole hassle of resubmitting invoices and filing a claim because they have a broken down webpage that can't transmit things properly. The customer service agent was just as bad. 'Oh there's nothing we can do, I'm surprised you see the claim there because we have it as "deleted". What a joke. Borders on fraud if you ask me.

This company is a unethical. Greedy. I got my dog insured by them as a puppy. My puppy got giardia before the waiting period was over. So, Trupanion did not cover him. Fair. After the waiting period, he had a reaction to anesthesia from neutering over the weekend. He was violently throwing up, so I took him to the emergency vet. Trupanion did not cover it because he had what they called a pre-existing condition of – I am not kidding – throwing up! They call throwing up and nausea a pre-existing condition. He got another parasite (and yes, I give him Bravecto and Sentinel, I do everything I can to keep him healthy) - again, Trupanion did not cover it because he had had a parasite before. Unbelievable. There are other issues - their customer support is terrible. They don't respond. There are better companies out there.

I, like so many others on here, feel screwed over by Trupanion. I did a ton of research before joining less than two years ago for my 5 year old mixed breed rescue. I understand their business model and structure which is why I joined. However, they imply that premiums "may" go up by around 10 - 15% per year which is to be expected and reasonable. However, I've just been told my premium this year has gone up 50% despite no claims last year which means my premiums have DOUBLED in two years. I'm on the $1k deductible so there's no way for me to lower this. When I inquired and was given the spiel about how the prices are re-evaluated, how they sometimes see claims as high as $50k for a dog's care, I pointed out that within the next (hopefully at least) 8 years of life for my dog, I'll eventually be paying around $3k PER MONTH.

They don't pay out claims. They don't pay out claims. They are scammers!! Furthermore, they made me submit all the invoices separately as a result of one incident, and then declined since it didn't meet the minimum. It's one claim, not 4 different ones. Also, they are declining the claim due to a pre-existing condition, which my dog never had. All this after paying them, $17000 in premium over the years!!! Stay away!!!

Trupanion claimed that multiple claims for allergy-related excessive licking were "behavioral," and not covered. They never paid any of the claims. I canceled when they raised the rate and had a difficult time getting them to confirm cancellation. I have nothing good to say about them.

Is a scam! they lure you with reasonable annual payment and tell you over the phone that should not be any increases in your dog policy or worst case 10% -15%. When your dog becomes 2 years old, they DUPLICATE the monthly payment!! Imagine what they will do when your dog becomes 3, 4, 5... years old! A TOTAL SCAM! STAY AWAY!!!

I took my dog to the vet, and they recommended I call Trupanion and get insurance for my puppy. I already had pet insurance for 2 months but I called them and the man I spoke with and I had a lovely chat about what was happening and why I wanted pet insurance. He convinced me to switch to their company from my current provider - Fetch. Now they won't honor a claim that I would have had covered by Fetch. $1500 gone!

I filed a claim with Trupanion and they denied it claiming that we had a pre-existing health issue from over three years ago. We joined Trupanion after our dog required Veterinary care after by being bitten by a copperhead snake, a venomous snake. Our recent claim was for a serious intestinal problem which clearly was not caused by a snake bite. They initially denied the claim. Now I got an email when they entered the appeal into their system. Now two weeks later I have gotten an email saying that they are reviewing the appeal. It was their mistake, it should have gotten to the head of their queue. I have started researching law firms that have successfully sued Trupanion.

I have insured my dog for just about a year now for pet health insurance when Trupanion raised my rate from $136 per month to $164 per month even though I have not had a single claim. I was just about to insure my second dog but will not use Trupanion because of the cost. My premiums would be approximately $328 per month. Extrapolated over the lifetime of say 14 years you would have invested almost $55,000. This is more than my house insurance and auto insurance combined. Not great value. They sent me a sugar coated "friendly" message about how they need to raise the rates appealing to one's emotions about their pets. They really put me off about this. I don't trust Trupanion at all.