Trupanion Reviews

I took my Malinois into the vet for limping. 2 days before the medical part of the 30 days was up. Trupanion said it's an illness and refused to cover the visit and visits in the future as it's now a "preexisting condition". They also lied to me and said my vet took VetPay when they do not.

We have been extremely disappointed with our experience with Trupanion. Over the past three years, our premiums have increased by 100% — despite the fact that we have never submitted a single claim and our two dogs have no pre-existing conditions. We understood that some increases over time are expected, especially with rising veterinary costs, but the size and frequency of these increases feel excessive and difficult to justify for loyal customers who have not used the insurance.

We have not had Trupanion very long, but they came to the rescue when my girl needed care! Truly a lifesaver! They are the only company that I know of that actually does what they say they will do! Their staff are amazing! They also helped my vet's office staff directly, to set up the payment portal. They are always there when I need to speak to someone! I feel great knowing I have a reliable partner in caring for my girl! Truly thankful! Thank you!!!

Very disappointed in the coverage that Trupanion provides. I paid for insurance for my dog for 13 years and only received coverage for 3 of the invoices I submitted for the life of my dog. They did not cover the knee surgery because "her breed is known to have a hereditary condition." (This is covered by many other insurance providers). When it was time to send my dog over the rainbow bridge I was told that 90% of this would be covered. In fact they cover NOTHING for her euthanasia. I recommend any other company. Do NOT choose coverage through Trupanion!!!

I am highly disappointed with the business practises of this insurance. They grossly misrepresent the coverage and will not stand behind the mistakes. Even though I have not been able to use my insurance for anything that was clearly stated. I had a refusal of the refund on top of a very rude supervisor named Michelle. Now I get the fun of waiting 5 to 7 business days for a manager to get back to me. Avoid this insurance at all costs. It will only cost you more money at the end of the day and cause you more unnecessary stress if you were depending on this for financial assistance.

I have carried Trupanion for over 15 years for multiple pets, with my current pet having 9 years of their coverage and only one prior dental claim. They are fairly prompt in processing claims and reimbursing me but their insurance is expensive. Recently my dog tore her ACL. I took her to an urgent care facility associated with the local vet hospital. The ER doctor performed an exam and determined the problem and the follow up appointment was with the actual surgeon who performed a more complete exam in preparation for the surgery. Neither exam was covered. These were not random wellness exams. These were injury and surgical exams that were required prior to performing the surgery.

This is what we learned after our first claim. If your pet had a cold prior to coverage, it has a cold forever and no claim will be paid for any future colds the animal may have for the rest of its life. And that goes for any periodical illness the animal may of had. We went in for allergies and because the vet happened to look in the animal's ears, The allergy shot was linked with the ear issue and the claim was declined. I've opened up a savings account for the animal and will pay the premiums Trupanion was getting into that account. We are disappointed in Trupanion but very glad we discovered the deception within the first year of coverage. PS: The company would not allow information to be shared with me and only with my wife, declaring it to be a HIPAA violation. Let that be a clue.

Senior dog I adopted was insured for a month. I continued and am trying to cancel It was like an act of congress. The guy kept reading a script saying she may need this and that in the future. I told him I just lost my job and was worried about our next meals in the interim. Everything is denied with them. Even if your pet had diarrhea or a uti in the past. All pre existing.

I have been paying into Trupanion (2 plans) for my dog since October 2025 and just submitted my first claim on 1/31/2026. My claim was denied because my dog had one UTI in the past and was treated once for diarrhea a year ago because it was written off as a preexisting condition. I cannot see how in any way this is right, and sincerely regret wasting all of these months paying into a company that basically feels has taken advantage of me as a customer. What a let down. I cancelled immediately.

Kitten insured at adoption. Ate a cicada, *proved by BluePearl on radiographs* at age 11mos. Also ate candy wrapper same day. Scavenging due to anxiety in multicat household. Dx by dr with anorexia. Claim was paid less ded but Trupanion made up their own dx of "Dietary indiscretion". Kitten continued to lose weight and eat weird stuff.