Trupanion Reviews

If I could give zero stars I certainly would! Paying for 2 years since I got my dog- premiums did go up. Had 3 incidences of claims with zero coverage for any emergency services. Called about coverage and what is covered as it was sold to me as 90% coverage although my online account had zero info or explanation of coverage. They told me every incident/illness/disease has a separate deductible and no exam fees are ever covered no medications will be covered unless it’s a chronic illness. So I inquired of the policy detailing what IS ACTUALLY covered and kept getting the answer nothing is covered nor it ever will be as every time your pet has an illness it’s a new incident and a new deductible has to be paid which does not align with the term “deductible.” They are using this term to elude paying the 90%.

If I could give zero stars, I would. This company is an absolute scam. They’ll happily take your monthly premiums but will find every excuse imaginable not to pay your claim when you actually need help. They twist policy language, delay responses, and keep asking for more “documentation” just to drag things out. After weeks of back and forth, they still refused to reimburse a single dollar. Do yourself a favor — don’t waste your time or money. They make it look easy to file claims, but once you do, they’ll make sure it goes nowhere. There are far better pet insurance options out there that actually care about your pet and honor their word. Avoid this company at all costs.

They buried the bit about not covering exams in one of those terms of service changes. So... surprise! And though they have absolute capability to reach my bank for purposes of getting our monthly premium, they couldn't, for some reason, connect when it came to pay out a measly couple hundred bucks on a 1500 emergency bill. So they're slow walking the payment via the US mail but we're ten days out and even that hasn't shown up. All this after 8 years of paying in. THEN, just after I had to argue with them about the claim payment, we get a notice that premiums are going up 11+% with a bunch of weasel words that explain how lt's "their job to figure out what costs are so they can keep premiums fair.. blah blah." But then again, even their stockholders aren't doing so well right now so go figure. Looks like death throes to me. We're outta there.

Absolute worst customer service and company ever. I have never left a review before but I can't with this company and want to warn everyone to never use them!!! Shop anywhere else or just put the $150 they're making you pay into a savings account for your dog/cat. You'll probably end up never using it and then just have a treat for yourself. Started paying for pet insurance for my dog as a puppy which started at $50. Today, they have upped it to $150 and I have never even used them.

Keeping it simple, this company does whatever it can to get out of paying anything. They "linked" pet condition that various vets said had nothing to do with each other. We would have saved more money by just taking the monthly premiums and putting them in a bank account. This company is less than useless. What they do should be illegal.

Paid for 10 years with no claims. Now my baby needs dental work and a small lump removed. Stuck with 85% of the bill. This is a horrible experience when you never missed a payment and watched the monthly bill go up 90 %. Stay far away.

They are a total scam. If you love your dog, run away from them. I'm still waiting for a claim and a refund, one month later. I had them because of Chewy, but when I sent my dogs' claims for the first time, they would disappear from the website, I emailed them, and they said they had nothing. I took print screens, and they said they would do it by email. After that, they said my first dog had an ear infection because he made a test to see if he had something, and because he had had it in the past, they would not cover it. But he didn't have any, they just didn't want to cover the diagnostic test. And this guy Ali would insist that my dog had an infection, this representative is the most lying, rude person, I do think the guy has even issues against clients or me.

I have been shocked to discover all the fines and claims that Trupanion has on their record. At least ten U.S. states have cited Trupanion and its subsidiary, #AmericanPetInsuranceCompany (APIC), for violations of local insurance and fraud laws. It all started when I requested information on why they are constantly increasing the monthly payment. Here’s the link with all the court documents: **.

IT'S A complete ripoff, we need to do a class action Lawsuit! I hate Trupanion. They are just getting free money, and they never payout anything. 5 years and every claim, I have made, they will say approved, but with they word it, to where, they are never paying anything. It's very frustrating. Save yourself the stress, it's not worth it. I'm a real person, and it's sickening how they have scammed me. I hate to cancel because I have paid so much in. I just wish I could get my money back, and just save, for emergencies. Please don't fall for it. You will regret it.

I have used Trupanion since 2009 for several animals (dog and cats). Initially they were great, but somewhere between 2009 and 2017 they changed their deductible rules. They used to have an annual deductible but then switched to a "per illness/episode" deductible. Due to this deductible change, this policy is useless for cats and anything less than an expensive (over $1000) emergency vet visit. The other day (8/12/2025) my cat had a dental procedure and since the vet wrote periodontal disease and tooth fracture they counted those as separate incidents and applied their "per-illness/episode" deductible policy. I understand that is their policy but it is terrible and there are other insurance providers out there that still have an annual deductible not a "per illness/episode" deductible. I canceled my policy immediately and switched to a different provider that offered the same coverage with only an annual deductible, AND it was cheaper.