Trupanion Reviews

These people are criminals. Thieves. Several states are suing them. I assume they will end up prosecuted. They raise your rates massively, deny every claim, make everything as difficult as possible hoping you'll give up (if you have a life or job you won't have the time or money to fight them and they know it), and they hope you'll just cancel after paying premiums of thousands for years, and then your pet will get old and die in agony because you won't be able to provide the care your pet needs, when they actually get older and need it, after you've paid in the pet's entire young life. They do not care about animals or us humans who love them. These people belong in jail or Luigi'd. This company is criminal. Look at Yelp or BBB or anywhere else. This is absolutely illegal, and they need to be stopped.

Once again we were let down by Trupanion when we really needed them. Any major claim they find reasons to deny. This time because we waited too long to get the treatment for our dog. It is just one reason after another to deny, deny deny. But they sure are quick to raise the premiums. Trupanion is not there when you need them.

This company is a total scam. They never approve anything. As per the terms of insurance, a pet condition has a lifetime deductible. Once the deductible is reached, it should be fully covered. But, they never do this. You might as well throw your premium down the toilet.

If I could write a zero review I would. My 14 year old dog has been with Trupanion since she was 10 weeks old in 2011. We rarely had any claims until she reached about 12 years old. After paying our premiums for over 14 years, Trupanion is now taking almost 4 weeks to review a claim for a condition that has been covered for over 2 years. Our premium was also increased as our claims increased and when we appealed Trupanion’s decision to apply a deductible when it had already been paid for the same illness that occurred randomly over a multi-year timeframe…that happens when your dog reaches 14 years old. Unless your pet is unfortunate to have a chronic, catastrophic ailment, this may not be the insurance model or provider for you. Any breaks between the occurrence of the same ailment (of more than a few years), will be assessed as a new condition, and your deductible will restart.

We thought we would insure our 2 year old rescue. NOT WORTH IT. They cover NOTHING. Everything is considered “pre-existing“. Save your money, keep the money you’d waste on this and set it aside to use for your pet. Live and learn, pet insurance is a scam for rescue pets.

Never pay out. Make up condition based on their own diagnosis without evidence. Also they say they don’t increase cost as a dog ages but my rates have climbed every year a lot. Originally was 65 and now 4 years later is 170. This company are crooks. My personal office doesn’t even auto submit claims anymore because of shady policies this company employs to deny coverage. By the way, she has never had a single incident that has been approved for coverage.

I had signed up for Trupanion pet insurance after reading good reviews. Now my dog had a CCL rupture and needs surgery. They refused to cover ANY costs because they classified limping as a pre-existing illness. After my vet send them a lengthy letter (as seen in picture) they STILL denied coverage saying they do not cover any CCL injuries that occur within 18 MONTHS!!!! Absolute waste of time and money. My vet hates them too. Have cancelled my subscription.

My dog's breeder advised that we insure with Trupanion and asked that I use her name in the sign up. First red flag as obviously kickbacks were an incentive, certainly not based on good service. I was sold a "full coverage" policy, assured that beyond my $500 deductible for emergencies, or any other illness related issue, I could rest knowing they had our backs. My 14 month old Standard Poodle has been insured since a 12 week old healthy pup. There have been no claims until a few days ago when she inexplicably became very ill and spend 2 days in Emerg being diagnosed and treated. The bill was in excess of $1200. After Trupanion had cherrypicked their way through the treatment, we paid over $1000 and our "full coverage" insurance paid $200! What a scam! Do not waste your money on these snakes. Shame on companies like this who simply steal from a too trusting public.

Insurance scam. Save your money every month instead of paying them. I got three pets with them paying 200 a month for three years. Never file a single claim, one day I found my cat has “teeth resorption” issue, they denied my claim, and claim that I passed the three month since my vet diagnosed my cat could have that problem. And they said even the claim got approved, half of the claim aren’t covered. You still gotta pay it yourself. It will end up paying 50-60% yourself (inspection fee, teeth cleaning fee, pre surgery inspection fee, deductible fee, 10% of claim). Come on, Instead of giving you guys money I rather put $200 into my Pet’s Saving account every month. TRUPANION is totally useless, Paid over $6000 in the past three years for nothing.

Every claim we've submitted has been denied for one reason or another. Most recently, we filed one for our dog's allergies, which have been causing recurring ear infections. At first, it was approved and applied to our deductible. But a few weeks later, they reversed the decision and told us it wouldn’t be covered—because it's now considered a pre-existing condition.

Do not use TRUPANION pet insurance. As a 7 year customer I did not receive anything for the monthly premium I paid for 7+ years. The 1 claim I did submit was denied because of the fine print in their policy. The bottom line is the formula they use to set deductibles and offer coverage is designed in a way that you would be better off paying out of pocket for services and saving your monthly premium payments for catastrophic events. This service is such a scam!

Complete scam of a company. Google the fraud cases, SEC and many states. These folks are criminals who belong in prison. Law enforcement is after them in many places and they will be, soon, shut down. They've stolen from so many of us.

Classic insurance company. Will deny coverages for existing conditions but charge you like you're getting covered for absolutely everything. I think my premiums just about doubled in 6 years with no claims. My personal experience would have cost me over 7000 dollars for the term of my policy to be rejected on my first and only claim to cover to euthanize my pet versus putting him through a 3rd back surgery which wouldn't have been covered by them either. Apparently if the reasoning for being euthanized has anything to do with a prior condition they won't cover it... it's not about the couple of dollars I didn't get reimbursed but more about the slimy reasoning that they use to justify this denial all while keeping their hands out for your ever-increasing monthly payment. Do yourself a favor and put the equivalent In a savings account.

Be very careful about spending the extra money for their "Recovery and Complementary Care Rider." In their “Recovery and Complementary Care Rider” part C, Hydrotherapy, Trupanion states the following: “Hydrotherapy involves the use of water to aid in the healing and/or conditional of a patient. Pets either swim in a pool or tank prescribed periods of time, or, walk on an underwater treadmill. Hydrotherapy is used in the treatment of osteoarthritis, orthopedic conditions, neurological conditions and muscle, ligament and other soft tissue injuries. The therapy must be recommended by Your Veterinarian and it must be provided by or under the Direct Supervision of Your Veterinarian.”

SCAM ALERT!!! Beware of this company and their deceptive sales practices! I got a coupon code for a month's free service to try it out, called, gave them the code and the person said, "Great. Let's set you up!" Went through the sign-up, and at no time was told that the code would not be honored. They ended up billing me for the first month and refused to refund the charges. I cancelled the policy - if they won't honor their promotion how can I trust they will honor any claims? Clearly a shady business, stay clear of them!

I agree with the others distrust and disgust in Trupanion. We picked up our 6 month old female doodle and went to the vet that same day for a checkup. The breeder we got her from supposedly works with trupanion and was covered for 30 days. We called and set her up with an insurance policy that same day, if not the day after. Her initial diagnostics at the vet visit caught that she had hookworm. I submitted invoices to Trupanion and they told me that wasn't covered due to it being "preventative". The breeder was notified and ghosted us when we mentioned the issues.

This place is a scam. Our premiums keep going up around 20-30% every year or two. They don't pay anything for claims and try to weasel their way out of any issues that arise. We had a claim for dental cleaning and they refused to pay it due to the vet putting he had dental disease 3 months prior in our dog's chart. Now I called them requesting if they would cover his follow up cleanings that are required due to his dental disease and they told me that they don't cover cleanings now!? Highly recommend avoiding this business and put away money into a savings account for any future vet bills.

Trupanion had good reviews and seemed like a quality company. It was easy to set up and my vet took it with no problem… on the few things they would pay for. I used them for just short of two years because they increased premiums by about 30% every year which is completely unaffordable and vastly higher than inflation or my vet's cost increases were rising.

I signed up through a vet promotion, unaware it required an appointment within 24 hours. Trupanion took nearly two months just to clarify that, then denied all three of my pet’s visits. I ended up paying almost $200 for nothing, and one of their managers refused to adjust the charges. There are better, faster, and more affordable pet insurance options out there. Trupanion is slow to make decisions and far more expensive than most. Save your money and look elsewhere!

I recently got a puppy, and the first owners had a one-month insurance policy with Trupanion, which I were encouraged to renew. During a routine vet visit for vaccinations, our vet noticed that our 8-week-old puppy had an ear infection. When I called Trupanion, they assured that this issue would be covered under the policy. But when I submitted my claim, I was suddenly informed that nothing could be covered because I would have to pay 250 CAD out of pocket. Where is this stated in writing? I have never even received my contract documents. When I asked about it in the chat, I was told that the contract was sent as an attachment with the first email—but there was no attachment in that email. When I pointed this out, the response was simply, "It doesn’t matter, we can send it to you now." This is highly unprofessional and misleading.

They will fight tooth and nail to deny coverage. I have a dog with a newly diagnosed illness who needed an endoscopy for said diagnosis. They denied covering the procedure even after filing an appeal with the help of my vet. They are greedy and will say something is pre-existing when it is not. I have had coverage with them since 2023 and receive the diagnosis in November, 2024.

Dishonest and Misleading—Avoid Trupanion. We recently got a puppy, and the first owners had a one-month insurance policy with Trupanion, which we were encouraged to renew. During a routine vet visit for vaccinations, our vet noticed that our 14-week-old puppy had lower canines growing into the upper inner gums—a teething issue that had just started. When we called Trupanion, we spoke with Amanda from Sales, who assured us that this issue would be covered under the policy if we renewed. Trusting her word, we renewed the policy.

What they refuse to cover is very extensive. They will go over any and all vet records dating back to when you first got the dog. If your dog so much had a runny nose then they don’t support respiratory issues. If your dog ever sprained her leg, then they don’t cover arthritis or torn or ruptured ligaments. If your dog has ever acted as if she’s in pain then they don’t cover hip dysplasia or arthritis. If your dog ever had a cough, then they won’t cover respiratory issues. And I mean ever if your dog is 10 years old, they will count stuff from when your dog was six months old. What they do cover is practically nothing once they’re done reviewing all your Vet records.

Fact is..it doesn't cover much. I've been a customer for 5 years now. The premiums started around $90 now they are $150. Customer service is comprised of uninterested people working from home with no real demeanor. Very disappointing.

If there is any possibility to connect your pet's diagnosis to to any medical record, vet tech note, or any explanation in your pet's complete medical history, your claim will be denied. My dog has SRMA- on 10mg prednisone to maintain/ keep her immune disease under control for last 12 months. Paid premium's for 6 months. Dog chewed a stick, got a small cut that became an abscess, needed $3500 hospital visit to image/drain/stitch abscess. Insurance denied both claim and appeal stating the prednisone suppresses her immune system and that caused the abscess. Glad we only wasted 6 months of premiums. Just save your $ premiums into a sinking fund, to spend on the dog if you ever need the ER visit. Don't waste your time or money with pet insurance. They don't pay.

Just like all insurance companies, they screw all their customers.. The premiums are absolutely disgusting. The amount of money they will make compared to your dog's veterinary costs are nowhere near. They're making a killing. So disgusting. It's pathetic. I can't even find words to describe my distaste for these companies and the people who run them.

I was talked into Trupanion by my vet's office manager. Hard press. She convinced me it was the best. I'd had VPI/Nationwide with my first dog. It was adequate. This one is a totally rip off. I missed a payment during the holidays by one day--the deadline was a Saturday and they cancelled my policy on a Sunday. Good riddance. I'm on to something better. Shame on you trupanion.

Pet parents run from Trupanion. When your dear pet gets sick and you start submitting claims, they continually process claims without reaching out to the veterinarian medical provider for medical information, therefore processing each claim submitted as a new (PER) condition claim, therefore making a bottomless deductible. The continuous response is you can go through the appeal process.

Horrible company for cat insurance. First time I went to the vet to bring my cat, who was a stray, they told me that all her conditions were pre-existing because I can’t prove they weren’t with a previous vet record. How could I have a record for an adopted pet who was living in a bush. Beware of the fine print and all the exclusions. I was shocked to find that they refuse coverage for so many random reasons. They will kill you with kindness to get you signed up, but then you get the sharks once it’s time to see the vet and submit a claim. Pretty much assume you will be denied. I’d assume they are good if you never need to submit a claim for cats, but if you do they won’t pay.

We recently cancelled our policy. The deductible is applied to each condition. ie. Cut on left foot $0 covered out of $260. $160 applied to $250 deductible. If a cut on right foot different condition. New deductible. If gets cut on left foot again new condition. New deductible. So far nothing we have submitted has resulted in us getting any $$ back. Everything goes towards a deductible of some sort.

I have had Trupanion for my dog's entire 4 years of life. My premium started out at about $90, then went up every year, until now (3 years later) it is $230 a month. I haven't filed a claim in 3 years and my premiums over the past 4 years have more than covered what they paid out the first year. Who can afford $230 a month for pet insurance? You may as well just put that in a savings account for your dog and you would quickly have plenty to use for emergencies. I called to cancel and they tried hard to talk me out of it and were quite argumentative, including offering me a lower rate of about half of what I'm paying out now. I find this unethical, if they are able to charge less for your premium, why would they only do it when you are canceling? I've gone with another company and have the exact same coverage with no cap for $97 a month and they reimburse in 2 to 3 days. Do better Trupanion!

They didn't care that I had to cancel one of my pet's policies because they raised the other one's substantially. They go up every year. No "Sorry to see you leave" and I've been with them for 10 years. They have no remorse for people who will be forced to put their pets to sleep.

Bella has been insured by Trupanion for over 12 years. Without the support of Trupanion, my precious dog would not have survived breast cancer, and currently her heart failure. Trupanion has given me the financial ability to have the freedom of the best care possible. And with that, I get to spend years of quality time that we never would have been able to have without this wonderful pet insurance company. I love Trupanion, and I am fine with rate increases. Every time I pay my veterinarian so much less than the actual bill, I thank Trupanion! To be able to get the best care for my dog without question is the best peace of mind I could ever ask for.

I had my 2 huskies insured with them for years with no claims submitted until a couple months ago for my senior dog who has developed very mild arthritis (those claims were fully denied by the way). They go above and beyond reading into the most minute details to try and get out of covering things your pets need. Better off just putting the premium money aside every month to start an emerg fund for them in my opinion. On top of that I’ve had drastic monthly premium increases every year. Don’t recommend them at all.

Like all insurance providers, Trupanion could not care less about pets. We began insurance on our dogs at 8 weeks and have never made a claim. Despite that fact, our dogs’ premiums have gone up almost %100 in less than 3 years. That is absurd. Based on those numbers, we will not be able to afford insurance by the time our dogs actually need the care. I’m sure that’s intentional.

Buy pet insurance from a different company. They are AWFUL. The monthly premium is very high and it doesn't cover much. Many things are excluded, the deductible is very high and when they do pay it's only about 40% NOT the 90% they claim. When it comes down to actually calculating what they will pay for a claim there are suddenly many new rules and things they deduct from their payment.

We've had insurance through Trupanion and they keep raises the rates by MASSIVE increments. So whether you pay more than your house and life insurance combined for your dog, or you eventually drop them as insurance. I've never seen so much greed from an insurance company, and we're talking insurance companies! In 5 years they've never paid a cent towards bills, and they keep raising my fees so I have to keep lowering the monthly and raise my deductible to the point where I honestly ask, why buy this insurance? If my deductible is insane, I'm paying for everything anyway. Greed, unchecked greed. I've given them thousands and they repay my loyalty with increased of 15 to 20%. That's outracing inflation by miles and is unjustified. Avoid this company and just save money for down the road.

I don't see how a pet insurer could be worse. I really don't. Not only do they not cover routine care, their system of how they characterize costs is insane. There was a list of my pet's claims with the $ amount, all followed by "approved." Well, guess what. Only a very small fraction of the money was actually "approved" and counts toward the deduction. I guess Trupanion thinks everyone has hours in the day to delve into a pet's Explanation of Benefits to see that indeed very little was covered. This has been a truly terrible experience.

We paid $150 a month since 2020 and for that expense received $0 nothing in return. For the exception of “why” they don’t cover anything we already pay for. Hoping it was protection in case of illness. Save your money as another family “taken” by Trupanion. Sadly not worth the cost in any way. Save your money. You’ll be paying anyway. Hope this helps others avoid the mistake we made.

In the last two years, Trupanion has increased our monthly rate by over $140 PER MONTH! Stay as far as you can away from Trupanion. They do not back up their claims and do not care for you or your pet.

I have been paying monthly premiums for 10 years. Now that I am needing it more frequently for my aging pet. In the past month, I have had to submit 5 disputes on declined claims. Lots of extra work on my side to be able to use the insurance I have been paying. Also, this month my premium went up $15 per month. So will be paying extra to file and spending more time to get my claims covered. Apparently, they are using some AI system that is not working well. Hmm, not making me a happy consumer.

I went on Trupanion's accident coverage plan because it covers ingestion/obstruction removals - of which my dog has a history of. Lo and behold, he eventually ingests something and needs to get it removed (not a common occurrence, but again, he has a history). Since it wasn't his first rodeo it was a riskier surgery and he had to stay an extra night in the hospital for monitoring. I was okay with everything and its cost, like the extra monitoring, because I was expecting insurance to help cover it. They did not. Despite saying they cover ingestions, because he had done it in the past (even once years ago) they considered it a 'pre-existing' condition. Aka not covered under the plan. I

Florida SCAM: They had originally attractive rates for Floridians. Then within one year have MORE THAN doubled their rates. This of course makes it difficult now to switch insurances. This is being brought to the FL Attorney General's office to reveal this scam. They still have low rates to suck in an initial customer. Buyer beware!!!

I seen the ads all over GOOGLE for a pet insurance that paid upfront. I would have never bought this insurance had I knew they were going to do this. My dog is old and I told them that and they charged me over $270.18 and never told me of a waiting period either. Said they would pay my vet directly. My vet was listed on their page and that made me do it. My dog had a bump on her chest and I took her to the vet. Costing me over $700 for the visit. I had to pay upfront and submit the claim. I was a little upset. So I went back online and called all the vets that Trupanion said they took their insurance. It was like ALL the other insurance companies except a lot more expensive but my dog deserved it. I called them and told them that. They said just submit the claim. Online they said that 70% of claims are paid within 24 hours.

The people who call Trupanion a scam are spot on. My experience was the same: pre-existing condition, deny. My dog recently had an ear infection that required antibiotics to clear. Submitted the claim: denied as a pre-existing condition as an “allergy.” There is no way that an allergy, an autoimmune response from an allergen, is the same thing as a bacterial infection caused by a parasite and treated with antibiotics.

Trupanion has written a line in their policies (dogs) that exclude 'exams.' This one line, one word, eliminates nearly all coverage. When a sick or injured animal is brought to a vet, the encounter always begins with an exam, because dogs can't talk. So nearly all expenses associated with an injury or illness are excluded, including prescriptions and medications dispensed for treatment. By calling the encounter an 'exam' instead of using the word 'treatment', all expenses associated with an injury are excluded. As noted by others, Trupanion insurance is expensive. They advertise as a premium brand. The truth is Trupanion is a fraud, a scam. They provide almost no coverage for injuries or unexpected events.

I had 2 recent claims with for my 6 year old dog. The April 2024 claim was for injuries from another dog attacking her. As it was a Sunday evening, she was taken to the emergency vet clinic for treatment. Several days later she developed an infection and required further care. The total bill was $1,487 and I received a payment of $17.33. In July 2024 she had a cancerous tumor removed and for a bill of almost $1,400 payment received was $165.06. Trupanion covers almost nothing; they don't even cover the initial exam when your pet is has serious injuries! Today I received that the monthly fee is increasing almost 50% to over $61. I cancelled my coverage effective today and would never recommend this to any pet owner.

I would give Trupanion a negative-five stars if that was available. A total scam. I have paid in $12,000 and when I finally brought my dog in for the first ever time for a leg injury, they would only pay $321.97 of a $1,283.30 emergency vet bill, thereby leaving me to pay $961.33. Their reasoning? First a $500 deduction on EACH visit for a new "ailment", not the annual one time $500 deductible that is common for health and prescription coverage, which I could have accepted. They would also not cover the emergency exam, nor the resultant prescription (because it was not a "category" they choose pay for). After so many years of paying them, I immediately canceled...

I have used multiple pet insurance providers over the last 15 years. TruPanion has been by far the most expensive by 2.5 times. I have 2 Great Danes and pay $110 for my oldest Dane that is NOT with TruPanion. I pay $262 for my youngest Dane with TruPanion. My premiums went up from $220 to $262 in only 2 years. I have a higher deductible with TruPanion and find they do not actually pay for the majority of my vet bills. Extremely disappointed in TruPanion service & costs.

I have had a policy for three years for my golden. The second year the premium increase was steep and I changed the deductible. I just received another increase and it is now more expensive than my health insurance. Again, the reason given is the rising cost of vet care. I have never filed a claim. Reviewing other companies.

Trupanion is only useful if your pet has 1 singular medical condition/emergency and it's several thousand dollars. We took our pet to the vet ER. She was coughing like she was going to throw up every 5-10 minutes. I thought it may be related to the suspected UTI she had (was planning to take her to the vet the next day) and was instructed to go in right away to the vet ER. She was diagnosed and treated for a UTI & kennel cough. She was lethargic and not herself. Trupanion does not cover any "exam" fees even if it's at an ER. They also split the claims up since they were two different conditions, so we owe our deductible on both. After that, we basically owe the entire bill (close to $1000).

Trupanion is nothing but a scam. They have incentives for breeders to utilize their company as a way to attract puppy buyers. The insurance only covers diseases states that occur over time and not emergent visit or wellness visits. By the time you pay the premiums for a dog's lifetime and they get old (but only with a diseases state which has been documented and turned in) will you ever get coverage. You have to meet your deductible as well before things begin to be covered. They do allow for you to put forth your deductible for one disease state for lifetime. Ex: 9 week old puppy fractures leg. You pay deductible for first few visits. After large deductible amount is met, all future visits are covered, but you have to pay up front or provide receipts for reimbursement. If puppy fractures other leg, you start paying towards a new deductible, and repeat the process.

I've been overcharged on my insurance because my dog was listed as unknown size. Apparently when I started with Trupanion all mix breeds were listed as unknown size, even though I selected Boston Terrier mix. 2 years into my contract, Trupanion made a small dog category and did not inform me. If my dog had been listed as a small dog, I would have been charged significantly less. For 8 out of the 10 years I've been charged a much higher rate than I should have been. I'm out hundreds of dollars, roughly $565 before tax. I have never once made a claim and always paid on time.

This is the absolute worst insurance company out there. I have been with them for roughly 3 years, and just after the first year, they decided to raise my monthly payments to double the initial price, and will keep raising it every year, and mind you I haven't had to use them even once, my dog is perfectly healthy, and now I am paying far more than double the price they initially lure you in with.

We were told by our vet 10 years ago to use Trupanion as our cats insurance provider. Now that he actually needs coverage for medical issues they're refusing to help out in any way. You're honestly better off just putting $50 per month into a separate savings account for your pet if they ever need medical coverage.

We've been paying Trupanion for pet insurance with our dog for about eight years now. They don't cover preventative care, and we love our dog a lot, so we have stiff vet bills. He has recently been diagnosed with an autoimmune disorder, and we're over a thousand dollars in vet bills. So far, all we get told is that it's not covered, and they want us to give them a list of all of his vet visits, over the past eight years, names of veterinarians, addresses, reasons, etc. I would have thought that they would have worked out all these details about eligibility before they started accepting our money.

BUYER BEWARE. Do NOT BELIEVE claims that the premium will never increase over the life of your pet!!! Absolutely untrue - they kept it low and reasonable for the first year, and now the increases begin. I read other reviews (wish I had done so before I got this insurance), apparently I can expect massive increase in a few years. The salesperson really pushed this "no increase in premium over the life of your pet" point. I called the company and the answer was "I'm sorry, I don't know who told you that...we do increase our rates from time to time." Flat out liars.

Nothing but a scam. Everything is pre existing. My dog is 3 months. I'm surprised they didn't say aging was pre existing. Insurance companies for pets is a joke. High prices, then higher prices the following year due to inflation. Thank God, my coverage was a 1 month free trial. So glad it's over.

This company is all about making money. They offer a low price but they continually increase premiums. They say "it's because their costs are rising" but if you never use the service or submit a claim (like normal insurance) they still raise your rates. The last increase they just forced on me was 62%. That was after several years of 10% increases. We're done. They don't even offer any discounts or coverage for preventative visits to the vet. Normally insurance companies cover regular visits to the vet in order to catch problems before they come big cost issues. They don't. They just take your premiums and deposit them onto their accounts. We're done with this company.

I enrolled my puppy in Trupanion as I had heard their customer service was incredible, and I will admit they weren't wrong. I receive update emails routinely, and have no issues getting someone on the phone when I need to. They are kind and considerate, Great service. I have never made a claim before, but was informed today that (exactly one year after I started my policy) it will increase by $70/month. I think this is poor. For this reason I would not recommend this policy. I think I would suggest tolerating worse customer service for more transparent/predictable pricing.

This morning, I took my dog Max to the vet because several of its teeth needed to be extracted. The procedure took several hours. When it was done, I gave the vet's secretary my Trupanion insurance number and details. She made a phone call and was immediately told that the procedure had been approved and that they would receive payment shortly. I definitely recommend this pet insurance. One of the best. :)

Would not recommend Trupanion to any pet owner. They have denied EVERY claim since day one of having them. It appears to be their sole purpose to take your monthly payments and deny everything you submit. We have a terrier mix d breed 2-year-old dog. Was diagnosed with a neurological disorder and ever since anything submitted is link to this condition and denied. We found a surgeon who could help treat a throat issue our dog was having, dog gets excited and cannot breathe until she calms down. Had the initial surgery to see if this procedure would work and claim was denied. Found out about this condition due to an episode in the prior month and rush the dog to emergency. Each time our claim was denied and was told reason for denial was due to pre-existing condition. We canceled our policy as of today.

Unfortunately, you can’t rate zero! Terrible costumer service, expensive and they find an excuse not to cover most visits. They ask for paperwork and records. I sent the records in at least five times and my bet sent in at least four times. Are they too incompetent to maintain records? I have emailed them at least a dozen times! I get about 25% answered and have to continually email for further information. Recently I asked for a call back regarding denial of claims! They told me to call customer service. Customer service told me they couldn’t do anything. After one year and thousands of wasted dollars, I’m ending it! I have two pets! Premium is 115, then a 1000 deductible and then co insurance. I would have to spend at least 2500 per pet before any coverage kicks in. So far this year, one pet is close to deductible and the other has nothing! So 5000 and nothing yet! I’m not sure how they are in business! Are people just stupid like I was?

Buyer beware. Typical large corporate insurance company. My 2 year old dog needed xrays for his hips (a covered item). I submitted my first and only claim. It was denied instantly, stating it was a pre-existing condition. He's never been seen for his hips. Customer service said their automated system does their first round of reviews and was responsible for denying my claim. After being resubmitted to a human reviewer, I received an email with an appeal letter to give to my vet to fill out why my dog needed the x-rays. Is that a trick question? Who takes their pet to the vet if there's not a reason?! Way to put the burden on back onto the vet. More corporate hoops to jump through...typical.

Some financial details. Even though they don't increase premiums for your pet's age, they do go up each year. Mine have gone up about $30/month ($360/year) in 3 years. I took dog in for kennel cough. Didn't know what it was at first visit at out of town emergency vet. Total was $619..77. Trupanion only paid $206.58 because (1) they don't pay exam fees (and there are always exam fees); (2) owner has to pay 10% (they call it co-insurance); (3) $200 deductible for this condition and (4) they don't pay taxes. It still wasn't resolved when I got home so back to my vet. Total was $234.30 and neither the $116 exam fee nor the taxes were covered. I am going to look at less expensive coverage.

Worst company possible! I insured my Samoyed puppy at 10 weeks of age with a deductible of $200. And was paying $120 a month. One year after they increased to over $300 a month and stupid me decided to stick with them increasing my deductible to $750 and monthly rate of $155. This year they increased again to $195. I never had a claim or anything. They said my rate increased because there was too many Samoyeds claim in my area, nothing to do with me…

Updated on 07/18/2024: I'd like to update my previous review. I want to acknowledge the Veterinary Hospital for consistently providing accurate documentation to Trupanion. Trupanion thoroughly reviewed my dog's case and approved the necessary surgery. It's commendable when a company takes extra steps to rectify a situation. I applaud the Trupanion team member who took the time to reassess and make the right decision.

Stay away from Trupanion. Similar to other reviewers, they deny the claim first, hoping that you won't follow up. I had to have two veterinarians write letters confirming that our cat's condition was NOT pre-existing before they would cover the cost. They increase the price annually, claiming that it is based on increased cost of treatments. I just received an increase from $99.38 per month to $122.37 per month (that's a 23% increase in one year). Instead of giving them almost $1,500 per year and having a $250 per incident deductible, I am going to put that money into a separate bank account, and use it if our cat has anything come up.

Would not recommend. Pricing is not competitive unless you are looking for unlimited coverage. I have been a loyal paying customer for 3 years now. I have NEVER submitted a claim to them but they have increased my rate by 60% in 3 years. I signed with them at 56$/month and they are now trying to charge me 90$/month. Competition pricing is move competitive and deductible is lower. They are not willing to negotiate and keep loyal customers around. Customer service is rude. I would not suggest working with them as they will increase your rate yearly for no reason.

Absolutely horrible experience! Had it for 1.5 years, jumped from $80 to $110 in less than a year and my 2 small claims were denied! Customer service first dropped the phone, second put me on 1 hour wait call! Paid $2k to this insurance to find out we won’t be covered for anything for my young healthy dog that is not even 2 years old. Money scammers that’s all I can say. I have nothing but horrible experience and wouldn’t recommend this insurance to anyone!

Stay away from Trupanion at all cost. I have had Trupanion for approx 1 year and they have been nothing but difficult. Their standard operation procedure is to deny all claims initially regardless of coverage in the hope that you don't follow up. I have had to call and write repeatedly for them to honor their coverage. In that year of coverage, they have only reimbursed pennies compared to the amount spent and that was a fight. They also promise that unlike other insurance companies, they will not raise your rates due to your pet's age. The loophole is that they raise your rates due to "research of average costs in your area". They are already raising my monthly cost to over $250 (a 44% increase). Horrible company!

They raise your premium every year - even twice in a year. They claim it’s due to cost of care in your area but that’s a lie. Compared with other pet insurances and claims never changed. They say they don’t raise premium based on age or claims but they do! I’ve had multiple increases. Shop around. Trupanion isn’t everything they claim to be.

I did not do my due diligence and relied on a friend to buy insurance from Trupanion. They are the worst. Everything is considered a pre-existing condition. They should never be used for any pet older than 6 months. They cover nothing under the guise that "it was a pre-existing condition" for any abnormal test even if it was not a problem. They are crazy expensive too.

I own a 2.5 years old Australian Shepherd, never made a claim. First year insurance was 50$/month, last year increased to 65$. Just receive the price for this year 80$/month. Remember I never made a single claim. Increase is abusive. I suggest putting money in a bank account and if needed use it, if not at the end of your pets life pay yourself a wonderful vacation in his memory. I will cancel the insurance right away!

Trupanion did respond and review my claim a third time, after my review on another platform, and did finally cover eligible costs less my deductible. I will adjust my rating based on this reconsideration of this particular claim.

I am shocked at the negative reviews... Trupanion SAVED my cat's life. I don't know how to thank them.... Back in 2013, I signed our rescue cats up for Trupanion. It was my first experience with pet insurance. To this day, I cannot believe how lucky I was! Our cat, Sabina, recently needed surgery and they were so helpful!!!! Someone is always available when you call, they are personable and kind and show an interest in your cat.

They found a reason not to cover anything on both of our dogs. Wasted 1.5 years and 4 months of premiums on both dogs together before they had found enough reasons to cover nothing before we finally cancelled.

If you are planning on getting your pet a Trupanion insurance... don't. They do not cover anything, they reject all of the claims. I got the accidents and illness claims and my dog had ongoing diarrhea and we thought she ate something, so we took her to the vet and they didn't even cover that incident... You basically pay without getting your money's worth. I just cancelled my membership and I submitted about 5 claims and they haven't given me 1. Unbelievable!!!

Two young healthy pets, insurance premium increased by more than 40% in two years (no claims). Trupanion says they have an algorithm that estimates the cost of veterinary services in our area and adapts the premium accordingly, while at the same time, in the same email tell me they will never increase their premiums for no reason. LOL. These are just a bunch of bandits squeezing every dollar they can from the stock. That's the algorithm right there. Do yourself a favor and put that money aside in a pet fund for when you need it, don't make rich people even richer with your hard earned money.

Don’t go with Trupanion. They are horrible. They take forever, process everything incorrectly and hope you don’t notice so they won’t have to pay. Make sure you check your claims with a fine tooth comb as you’ll be paying triple deductibles and have claims randomly get lost. The premiums are insanely expensive and then you have to submit and follow up a 100 times to try and get your minimal coverage paid out. It’s a costly scam operation with horrible customer service. There are better insurance options out there.

I got insurance for my dog when he was 7 & healthy and active. For 3 years I paid about $120 a month. I made 1 claim in 3 years with proof there was no-pre existing condition & they denied it. When I called about it, they told me, basically because of his age they would probably never pay out any claims. No issue taking my money for 3 years though. Worst experience of my life when already dealing with a tough situation when my dog became acutely ill. Terrible Corp. Listen to the reviews!

Trupanion started fixing your premium throughout the life of your pet to incentivize that you enroll your puppy/kittens early so they get healthy pets insured (less claims). I enrolled my second dog with them and my premium increased from $49 to $82 in just two years. That is almost $1,000/year in premiums. And they can increase them every year so I may end up paying thousands a year. I rather keep the money and pay the vet when needed. They do handle claims very fast and have great customer service. Too bad they changed their business model and are increasing premiums in such way.

We had purchased Trupanion for our cat that had been attacked by a dog. I had read ratings, and their website and it seemed the way to go. They did, according to them, a true and thorough background check on my cat to see what pre-existing conditions she might have. Once that was cleared, they agreed to pay for a condition that arose during a surgery. Little did I know that even though the food was PRESCRIPTION, and we tried all other medications, nothing seemed to work except what was in - or not in - this PRESCRIPTION diet. Trupanion has a little clause in there that says that they will pay only for 90 days worth of food - EVEN IF it is a Prescription, EVEN IF it's the only thing that treats the condition, which it was.

We submitted a claim for a covered issue and after multiple follow-up phone calls to “Customer Care” we’ve gotten a runaround and continued delays. This is in stark contrast to their marketing mantra that states “prompt payment on claims”. They are dishonest, deceitful and hugely inefficient and disorganized. We had to review repeatedly the same information with multiple agents. We have loyalty paid all our premiums on time for years then we finally make a claim for a valid condition and horrendous response from Trupanion. Stay away from doing business with this company!

Trupanion will fraudulently state they cover 90% of all vet bills but that is grossly misleading. They only cover 90% of selected events that are "unplanned" for. Apparently if your dog eats something outside, has diarrhea for 3 days and cannot eat or drink water it does not qualify. Almost $200 bill.. Reimbursed $80. Almost $300 bill reimbursed $180. Almost $400 bill reimbursed $280. Unless my math is terrible, that is nowhere near 90%. They do not CLEARLY or succinctly share what they do and do not cover. Their definition of "unplanned" for events is subjective and in my opinion borders on false advertisement. Inconsistent coverage and subjective definitions of what is "unplanned" for makes me wondering why I am even paying for Trupanion? Disreputable and not pet care centric. Are they even animal lovers?

My husband and I chose Trupanion for our dog because it was the best option at the moment. Little did we know they would start increasing the price, unilaterally, by more than 50% from one year to the next. It went from ≈200CAD to 330 in one year, to 440 next year. We believe they are trying to get us to drop the insurance, and they have accomplished it. There is no way to afford that.

Unfortunate I had to leave 1 star in order to submit a review. Submitted claims last year and was hit with a $50 premium increase immediately after they reimbursed me (which took 2 months). Submitted a claim yesterday morning, $86 rate hike that afternoon. They will not allow my vet to submit claims or interface with them on my behalf, something that was always common practice. They require the bill be paid in full before they’ll even review a claim, which is in direct violation of their coverage policy.

I had submitted a claim and had to wait 2 and a half months just for it to be denied!!! They denied my claim based on the fact that the clinic had the wrong adoption date. I had adoption papers from the breeder to prove my claim and they still denied me. This company DOES NOT CARE about its consumers. VERY UNPROFESSIONAL after multiple calls I was told it takes 6-8 weeks for a simple stool sample claim. I DO NOT RECOMMEND THIS PLACE! THEY STEAL YOUR MONEY AND SCAM YOU. I refuse to pay them another penny!!!!!

If I could give less than 1 star I would. Absolute terrible customer service, it has been a nightmare dealing with Trupanion. They are very sneaky when signing up, and find any way NOT to cover. 2 months I’ve been fighting with them to cover a surgery for a condition that I’ve already met the deductible for. Now they want me to appeal because they say that the vet called the tumour something else during 1st examination and each type of tumour has to be a separate claim. A tumour is a tumour. A lumpectomy is a lumpectomy. Also they have raised my rates every 6 months essentially doubling my monthly rate since sign up. And now my dogs are too old to switch to another company because their preexisting won't be covered-so I’m trapped with trupanion. Do not get involved with Trupanion. Terrible, terrible company

I've had Trupanion for one of my cats since 2016, the other since July 2017 (he was adopted officially in February 2017). I was upfront with Trupanion when I added the 2nd cat following a bacterial UTI (in July 2017). The CSR assured me that after a 1 year waiting period, any urinary issues would be covered per the policy. Fast forward to February 2023 when the 2nd cat developed urinary issues which were denied (this had the vet scratching his head as the issue in 2017 was completely different from that in 2023 and it had been 5 1/2 years since there was any urinary incident). I spent over $3,500 in 2023 on this cat's medical care (including surgery for removing bladder stone in November 2023) while appealing the denial from March 2023. As far as I can tell, the appeal is still in process. Or maybe not. Who knows. Only Trupanion knows.

Stay away. They look for every excuse not to pay anything. The only reason we actual have insurance is because our last dog needed lung surgery and it cost over $10,000. We figured let's not get into that position again. They won't cover a monthly allergy shot because she had ear infections. They said the ear infection is related to her licking her paws. Even our vet wrote to them pleading our case. This is just one instance. Bottom line is they really do suck. Just stay away from this company. It will save you aggravation,.

First time submitting a claim where they would have to pay even a small amount of money back and they just keep sending emails saying the claim is "still under review". We have paid no telling how much into this and now it looks like it was a total rip off. I hope a lawsuit starts sooner than later because I'm 100% in.

Trupanion reviewed my claims and honored all of them. Very satisfied with company.

Some of these bad reviews are hilarious! Your uninsured 7 year old cat needed dental surgery so you got Trupanion? Thinking they would cover a preexisting condition? Absolutely not. You get insurance before you need it. And they don’t cover neuters and spays and routine care?! This is stated clearly as these are PLANNED expenses. Now the reviews about prices increasing are valid, and concerning. And the denials here seem a bit shady. I wonder if we’re not getting the full story? Regardless! We have had Trupanion for 8 years and just had a significant price increase that is concerning, hence my looking around at reviews to see if others are being hit with a more than the quoted 10-15% annual possible increase.

Absolute scam, they pay NOTHING. Submitted a claim that fell under exactly what this faux insurance company is suppose to cover, only to have my claim denied. Waste of time and money. I have no idea why my vet would suggest this phony insurance. The most expensive pet coverage but totally fraudulent.

The most costly of all the pet insurance companies only to deny claims they "claim" to insure. A total scam. I do not understand why all the vets in my area push this phony company. Avoid this faux "insurance" at all costs.

Pls don’t get Trupanion. They are a fraudulent company. My dog just passed away. They did not pay a single claim stating it was preexisting. Which are all lies. Check Washington state a class action lawsuit is filed against them

Can't believe how much rates have increased. I initially was lured by their ads that rates will not increase with age of dog, however they find other ways and reasons to increase.. Originally opted in at an already high rate of $110/month for our doodle puppy, and they have increased 3 times and are now $170/month. Insane when pet insurance starts costing more than human insurance. Will be switching to alternate provider soon that is half the cost but sets reasonable annual caps of $10-15K/year for claims. At Trupanion, you'll be paying for everyone else's pets with chronic conditions.

Don’t waste your money. They will say everything is “preexisting”. I tried to make a claim about several things that had never occurred before and they said it was all “pre-existing.” They will try and correlate every issue with something in a past chart to justify their denial. Then they raise the prices drastically. I was paying $75 then they jumped it to $100. No claims ever covered, no change in health status. Just an unjustified price hike.

"He doesn't have the best health record, aw gee, I hope nothing happens to him." I repeated asked the agent to stop asking sick questions and making sick statements about my dog and his health. Truly a repulsive company with no moral decency. Stay far away from Trupanion!

Trupanion is the only reason I've been able to provide my golden retriever with the medications and treatments he needs. I've never had any issues with the claims process, as I make sure all vets he visits accept the Trupanion direct pay ahead of time. This is pretty easy to do and gives me the greatest peace of mind. Definitely recommend doing your research and calling vets to make sure you visit direct-pay vets only when possible. For larger (more expensive visits) I submit estimates for pre-approval, that way I don't have to worry about being stuck with a bill I can't pay at checkout.

13 months ago we were paying $59.82/month for our Labradane. Last March, they increased our premium to $83.59. Today, I just received notice that it will increase to $125.49/month. This means in a 13-month window, my premiums will have more than doubled! We have a $1000 deductible for Willy. We've paid over $3000 in premiums to Trupanion over the years. Had I put that money in the bank instead of wasting it on Trupanion, we'd have over $4000 to invest in any vet bills he "might" incur.

I have been insured by Trupanion for 8 years. It takes a lot for me to leave a review. They are awful and I can’t leave because of all the pre existing conditions I would not be covered for. They raised it over 100 annually and there is nothing you can do. My insurance for 1 dog is 407. They are misleading when you sign up. Protect yourself and stay away.

I've had Trupanion for 11 years, they're increasing their rates 15% a year at least. Treatments for allergies for 7 years & now they're dragging their heels to pay. Stay FAR AWAY from Trupanion, they suck.

It seems they are trying to deny everything as pre-existing conditions. Seems every note your vet makes can and will be used against you. If an insect bites your pet and your vet notes the bump, and if your pet was slightly overweight at some point, it seems highly likely they will deny any claim and use the pet's “overweight “ (even if slightly overweight) as a reason for denying claim. We need Goverment intervention into regulating these pet insurance companies.

I am very dissatisfied with Trupanion. They turn down legitimate claims after years of paying a high premiums. Don't waste your money. You could set up an account putting the same amount away as a pet fund and you will be much better off. Or, look at the customer reviews and go with another provider. You can find them here. I just switched to another provider as I couldn't bear to give them another penny.

They decline to pay all services even if their policy states they do cover it. Paid out $0 for emergency services they explicitly list they cover. And they want $140/month to insure a tiny puppy. This place is a joke. Charge 4x the alternatives for 0 coverage. Don't waste your time or money. You'd get more insurance by donating your money to homeless.

Do NOT waste your money on this company! They are not offering pet insurance and will inadvertently raise your rates exponentially at their whim! I agreed to the terms of $180.78 per month which is high for pet insurance then they raised my rate to $248.41 without my consent or my approval. That would be $248.41 X 12 = $2980.92 PER YEAR! Yes!! That is correct $2980.92 PER YEAR!

Used to be a reputable company. Never had a problem before November 2023. I've been waiting 8 weeks for a claim to be determined. Phone calls go unanswered with long wait times. Emails are responded to with generic automated messages. No one is available to process claims. I will be canceling and looking elsewhere.

Took pet to vet for incessant coughing and fever. Prescribed antibiotics and took X-rays to rule out pneumonia. Trupanion did not pay, said it was preexisting condition. Wrong, wrong, wrong. They grab at straws not to pay claims. Crooks.

When we brought home our Old English Mastiff, the first thing I did was register him for pet insurance. I liked the fact that Trupanion offered direct payments so, even though their cost was incredibly high compared to other insurance companies, I signed up for them at ~$121.00 CAD/month with a $1,000.00 deductible. A year later my premiums were raised to ~$165.00 CAD/month with the same deductible, even though we have not submitted a claim or had any vet issues. When I called to cancel they even admitted that was an unusually high increase and that they wouldn't do it every year. Maybe that's accurate but to take an agent's word for it is something I'm not willing to risk.

I have paid for 4 years for my service dog insurance $55+ dollars a month. 5 claims so far and all denied. Easy stuff, like ear infection or licking hot spot. No, we do not cover, somehow it is pre-existing. No, no, the race of the dog influences and this is not covered. Do yourself a favor and stay away. I should heed to my vet advise and got his insurance. A bit more expensive, but would had covered the visits and unexpected surgeries. This is a big SCAM. I bet the 5* are all paid advertisement. I am a real person, living in Massachusetts, not a bot or a paid service.

I was with this company for over 20 years. A major change has happened. They recently told me that they stopped paying for office visits (the biggest part of your vet bill), and before my cat died, I paid for several larger bills out of my checking account, thinking that they would reimburse within a couple of weeks (they always did before). When I did not get the checks, I called and was told, after much questioning, that they were behind a month on sending out payments, because they switched systems and had to train people on the system. No one told me their payouts would be a month behind, and they could also not track when my previous payments had been mailed, so I could see if they were lost in the mail. I am now short of money, and I lost my cat. I would never recommend Trupanion now.

I've had my policy for over 10 years. This is my second claim. My last claim 9 years ago was handled incredibly claim. My last claim was clearly handled deceitfully. My dog was taken in for a biopsy to have 2 mysterious polyps removed. Trupanion treated one as a treatment for Nexus and the other for Hemotoma so they could treat as two conditions, split the bill (so that $500 deductible could be deducted from both) and not pay me anything. There was no mention of either on the bill. Clearly, it's an attempt to avoid paying a modest sum of $330 on a $1000 bill (after deductible and co-pay) after I've paid them $1400 in premiums this year alone. If this is how they treat a small payment I would hate to see how they handle a bigger payment.

I called them to sign up for the premium package for my cat because she was given to me and I wanted to make sure she's taken care of. She was very rude from the start, condescending; she spoke over me many times with a very rude attitude. I felt like I was being talked down to like a child. When I really didn't even talk much at all. I was just asking for the prices and what they included, and she was asking questions as best I could. I figured maybe she was having a really horrible day, so I just tried to talk about my cat and silly things to make her laugh or smile, maybe to break the ice. Yet she was just so sharp and cold, and there was no response at all; she just talked over me, continuing the questions

Trupanion has been a lifesaver for our baby Lulu. She suffered sudden onset glaucoma in one eye and ended up losing her sight. Her eye had to be removed and now she will have to go to the vet once a month for pressure test and every 3 months to a eye specialist for life. There were a few issues at first and we were denied but it was a paperwork error that trupanion helped quickly correct. Now her claims are paid quickly usually the next day. Thanks for helping us take care of her.

Getting a claim reviewed has been very slow. First time I called to see what was taking so long they told me it was a influx in claims. It's an average of 4 weeks so now I'm at 4 weeks. Called to see where things are. They change the story and tell me it can take up to 8 weeks. For a simple claim that time seems crazy and when I see advertisements that say fast claims I'm like yeah right. The monthly fees have gone up twice in the last few years so now I wish I'd chose another company.

This company owes me a refund and told me to wait 8 to 10 weeks, Which I did, and I think it's an absolutely ridiculous time frame. And now that we're past that time frame. I am being told that they're now having issues with IT tickets and the manager that I escalated to (Toni) can't do anything. The company has no problem taking money out of my account every month, But yet when I need to refund I get jerked around. Terrible.

Trupanion is a scam. They will pay for nothing. Do not waste your money. We have filed four times on our puppy, and they have actually come back and cited pre-existing conditions. A puppy?? You have got to be kidding.

My pets last visit at the vet was for terrible pain. She was experiencing in one of her ears. It was certainly not yeast related but nevertheless the claim was refused in a matter of moments after submission because your interpretation of her condition was that it must have been a pre existing condition. There are a number of varying factors that can present themselves when a pet is displaced with terrible discomfort due to ear pain. One can't generalize a say "oh it's yeast" and refuse the claim. As noted I tried sending 2 emails prior to receiving a questionnaire which I negatively responded to, and now you took time to reach out, thank you for that.

This is not insurance, it is a scam!!! They never pay a claim and have a hundred reasons why all the procedures are not covered. GET YOURSELF DIFFERENT INSURANCE. It is a big waste of your $$. All we did was pay our monthly fee and never got a penny back. We took our dog to a specialist vet and they even denied his bill.

Paid for the insurance for my dog for 2 months only to find out they won't pay for my claim because everything becomes a pre existing condition. Someone should look deep into this company for fraud and theft.

I've been with this company for one year and they have found every excuse not to pay on any claims. They are a complete scam. Horrible customer service. Don't waste your money. Find another company. They are horrible to deal with.

My cat developed a condition that led me to the painful decision to euthanize him to end his suffering. I am of course devastated and the $900+ vet bill that followed did not make it any easier. I was relieved to have pet insurance and thought that maybe something would be covered, but I was wrong. Trupanion did not cover anything. I was expecting the euthanasia to at least be covered or maybe even the cremation, but nope! Not even an exam fee, the injection to take away his pain, or his 1 hour on oxygen. What is the point in having pet insurance if they’re not even there to insure your hardest vet visit?

When you sign up for the insurance they highlight they pay for 90% of your bill minus deductible. They DON'T - They separate the Dr. bill from the procedure and pay NOTHING. They misrepresent the truth and then hide behind disclaimers.

Their website boasts "fast claims". But it's been 4 months and I'm still waiting. I filed 2 claims in June, and it is now September with no resolution, other than emails saying "We're working on it". After MULTIPLE calls wasting my own time, no answers. DO NOT FALL FOR THEM. They have nice agents, but awful service. They gave me excuses like "We're changing systems". That was 4 MONTHS AGO.

This "insurance" is a scam. I pay $1500 a year and my dog has a suspected auto-immune disease as of yesterday. In January, 2023 he sprained his paw at the beach, and in June, 2023 he tore a ligament in his left leg, which resulted in swelling but is now healed. Last week, he started having trouble getting up and seemed in pain. The vet saw him yesterday and said he now has some swelling in his knees which may be an auto-immune disease he developed. He never had fluid in his knees before! Yesterday, Trupanion denied coverage stating since my dog previously had swelling in his joints--(well, of course-he was injured), they are not covering the new suspected auto immune disease. That’s like saying, "Well, you sneezed and had a fever and runny nose in the past, so we are not covering your new cancer diagnosis because those symptoms you’re having now you had before. WHAT A SCAM!! BEWARE!!!

I researched Trupanion before I bought pet insurance for my 2-month-old Springer Spaniel. I figured what could go wrong, he was 2-3 months old when the insurance kicked in after 30 days. He was perfect. He was a puppy. Before my 30-day grace period was over I took him to the vet to have his first check up. Everything was great with the exception that his ears were a little "dirty". They were cleaned and that was that. At about a year old he had an ear infection. I made a claim and because his ears were a little dirty before the grace period was up, they denied my claim saying it was a preexisting condition. Like an idiot, I continued with the insurance for the next 3 years.

Highly don’t recommend Trupanion. I moved provinces and they quadrupled my monthly premium. Yes, I am not joking they increased my monthly premium to 4X what I was paying before. They also denied claims stating that they were “pre-existing” when that was not true. I signed my dog up as a puppy at 2 months old. Terrible company. I absolutely do not recommend.

I wish i could give 0 stars. This is a scam. We've been with Trupanion for 5 years. Sure, they pay up (as do any other pet insurance companies) but they will also increase your premium yearly a ridiculous amount. In the last year both our dogs (insured with them) have had a 40% increase! And that's just in the last year.. Prior year it was 20% increase. I understand inflation and why premiums go up.. but 40% in one year? I've also spoken to other people not with trupanion and their premiums have gone up $5 lol which is a lot different from my $50 increase with just the one dog. And might I add their pet insurance ALSO pays up no problem. So why is Trupanion's calculation of inflation so much more than the others?

My experience was: paid $590 for the vet, received $110 from Trupanion. They don't pay for examination fees; they don't pay taxes (mandatory in Ontario - 13%); they apply coinsurance to deductible (i.e. first $300 that you pay only count as $250 if your coinsurance is 80%); they don't pay administrative charges. I have cancelled insurance with them and found much better company that actually cares about your pet.

This insurance is ten times better than people’s insurance. There’s never any hassle and quick turnaround. My fur baby gets the best care because of them. Thank you for always being there for my best friend q CiCi.

They're increasing my premium from $102.58 to $129.55 over a 26% increase. They market as if they don't increase the premium for your dog if they're 'unlucky' or based on their age but you'll see an increase regardless. They claim to care but they really don't they will find all excuses to not payout or payout bare minimum and keep increasing your premium for other reasons and excuses they hide behind. They used to do direct billing but not anymore according to my vet, we have to submit the claims ourselves and wait for them to process the claim. I submitted a claim over 10 days ago and no response still.

Premium is going up from 49.63 to $61.05. That’s a 23% increase, way way higher than inflation and seems like what some economists are calling greedflation: corporations sneaking in price increases to bolster their profit margins during a time when consumers will think the costs are due to actual inflation. I’m stuck with them but I would not recommend.

After dealing with Trupanion for many years and, sadly, ignoring the advice of my friends, I have finally cancelled my membership. At the time of cancellation, they were planning to increase my monthly premium of $91.22 to $121.00! The last episode of illness for my 14 year old mixed breed hound, a nasal obstruction due to a growth, occurred over a period of 16 months. It involved three invoices attached to one claim totaling $1,020.45. Since I have a $500 deductible for each illness, I was expecting compensation of $520.00. I received a paltry $125.00. During this exact same time period, I paid Trupanion $1,302.45 in premiums! The MO of Trupanion is to confuse and patiently explain why they cannot pay you while all the time chirping pleasantly through email and on the phone about concern for your pet. PLEASE SELF-INSURE. Put money aside for the care of your pet. Trupanion is just big business. They win and you and your beloved pet lose.

I brought my new dog to the vet for their initial visit. At the end of the visit, the vet said that I had the option to try Trupanion "free of charge" for 30 days and then could decide if I wanted it. Later that day I received an email from Trupanion offering to continue the insurance after the 30 day free trial for $119.42/month. I used a different browser and input the same information to get a quote outside of my vet and it was only $79.73 - a difference of about $40 per month. Over one year, that is $4,800 MORE in premiums if I accepted coverage through my vet. Now think about that over the life of your pet. It's November 2021. SEC filing says "Trupanion members tend to visit their veterinarian more frequently and spend more money on the best course of treatment for their pet." This may explain why they gouge you if you apply through your vet - Trupanion knows it will likely have to pay out more over the life of your pet.

The company will never send a billing statement but continue to charge you for years. They will continually get your new credit card number continually update it without alerting you to ensure billing continues. It doesn't matter if you get a new credit card or account number. They will update it behind the scenes to send the charge through. I was charged for years without ever knowing I had this insurance.

You are a million times better putting that $99.00 per month in a checking account than having to deal with the trouble of submitting a claim for then to be denied. They make you do all their work and it's just not worth the aggravation. I wish I hadn't spent the last 6 years paying them 7k to get just $700 back which they denied.

We recently signed up with Trupanion. I have turned in two invoices from my vet… Both are covered expenses. I got notification today that the second invoice for §290 has been processed..took about 3 weeks.. Not bad. The first invoice was received 2 months ago for §750.. It still has not been processed. They could not give me a definitive date as to when it will be. New software, backlog, amount… was their excuse. Once paid, I will look for another provider

I've had my pets insured by Trupanion for over 10 years. The first several years they would process claims promptly and accurately. For the last 3 years no matter how carefully one writes a claim stating that the deductible has already been met for a condition, they simply ignore what the customer writes, apply the deductible multiple times and charge coinsurance twice for the same amount. I submitted claims four weeks ago and keep getting stories about data migration and new software to explain the delays. When I resubmitted, they twice incorrectly processed one claim and have not processed the other even though I know they have all the medical records they need. It should never require five phone calls per claim to get them to do their jobs. My pets have long-standing conditions so I am stuck with Trupanion.

I have been with Trupanion for over a year and since the last visit we discovered that my dog has liver disease, I am sick and tired of submitting all the documents that they asked for. All the receipts. It's been a month that I am fighting over email and phone to get my claim to be processed, not even this I am able to add it. I am from Canada and honestly, this is the worst customer service that I have had, if you are looking for insurance for your pet please do not consider this company. I am looking forward to getting new company.

When I first enrolled with Trupanion they were great - claims took 3 days to receive money back, Now absolutely terrible. They take well over 2 weeks still to receive money back from a claim. THEY CLAIM A SYSTEM UPGRADE. I would not recommend this company

Paid my policy for over a year then was denied a $8000 claim when my dog needed surgery for swallowing a rock. THIEVES. She was a 1yr old Golden Doodle that ingested a rock and because she once chewed on a remote control they denied her claim. CRIMINAL SCUM.

In the more than 10 years our dogs have been insured with Trupanion, our monthly premiums have gone from $90 per month to $370 per month. I think that's a fact that people need to bear in mind when considering pet insurance. In our first years with Trupanion, we were happy customers, and never begrudged the thousands we spent each year in premiums. Lately though, Trupanion is no longer settling claims in a timely and reasonable manner, and they are subjecting clients like me, my vet and my vet's staff to outrageous processes to appeal any decisions they have made in error. I suspect that this is their new normal given how Trupanion's stock price is plummeting, and it is clearly reflected in the number of negative reviews like mine that are appearing in recent months.

We got Trupanion after getting our little Yorkie Milo. We love him like a son. We opted for good coverage which was about $70/month for his breed with a $1000 deductible. After paying for 6 years ($4200) he needed some dental surgery that was crucial to his health and life. It cost $2500 and all they covered was $400. They do not cover anesthesia which is almost $500 and required for any surgery. They assumed he was only getting a teeth cleaning based on the vet paperwork. Even after the vet had to call them to say this was a necessary surgery for him. They kicked in another $50. Needless to say we dropped them after that. Save your money in an account.

Have been paying Trupanion for 2+ years for our puppy, who had a tumor removed recently. The company does its best to avoid paying out for legitimate claims by: a) separating multiple claims for the same injury/illness given coverage is based on "condition" (you need to watch this closely and complain), b) co-insurance 10% cost to you is NOT counted towards deductible, c) not covering vet visit related to the injury/illness (only procedure and meds), and d) broadly not covering routine check-ups and routine procedures (neuter/spay - which is expensive). Additionally, claims process takes a week or more, clearly in hopes that you aren't paying attention to their scam. Save your money and find a real insurance provider that bases coverage on total $$ annual expenses.

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.

Updated on 04/02/2023: I am updating my previous review. Trupanion is absolutely the worse company I've ever dealt with. My dog needed 3 separate visits to the vet for his condition. It was the same condition-clearly stated on the medical records. Trupanion forced me to submit 3 separate claims. Then the deductible was applied 3 separate times so they didn't reach the deductible separately. Again even though the records said they were for the same condition. Then I was told to tell my vet to call into the appeals department. Really? What vet do you know that has that kind of free time to deal with the incompetency of an insurance company.

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.

Please, if you know what's good for you, STAY AWAY FROM THIS SCAM. Zero stars if I could. This was my first experience with a pet insurance carrier and will also probably be the last. It's a shame a group of money-hungry people couldn't be more sympathetic to my situation and made my first experience better. I've had two indoor cats for more than seven years, right? They never had any major health problems, so I didn't mind the yearly vet visit. Then a few months back they told me my cat Strider would probably need a dental surgery. I thought, "hey, that might be a pretty penny. I'm going to look into getting some pet insurance to help us pay for it." Guess what. His surgery cost more than $2000, and they didn't want to contribute a thing. They claimed he had a preexisting condition before I enrolled with them.

After reading so many bad reviews, I have to add my own comments. I insured my new 8 month old puppy with Trupanion when I first brought her home. Like so many, I feel their website doesn't give full details of how their coverage works. My puppy is celebrating her first birthday day and I don't think for a minute that it's a coincidence that I received an email from Trupanion today informing me that my monthly premium is increasing from 109.99 to 143.00 per month. Seriously considering cancelling my policy.

I was a 10 year customer of Trupanion Pet Insurance for 10 years, my recommendation is stay away from this insurance company. If they can be ruthless to a 10 year customer with 2 dogs, can you imagine how they will treat a new customer? My dog was dying in the emergency room and the customer service agent was rude, curt, unsympathetic and condescending on the phone. The last thing I would be doing while my dog is in the ER would be talking to a customer service agent for my insurance. And to top it off, they denied my claim when my dog was already enrolled prior to his anaphylactic shock.

I signed up for Trupanion this year with a $1,000 deductible. Nowhere on their main website page does it say that the deductible is per illness or injury for life. It is stated in a couple of words on the coverage page you get after you sign up and is vaguely stated in their sample policy on the website. To get to the sample policy you have to click on a not-so-obvious link and scroll several pages until you find the information.

ZERO STARS should be an option. Paying monthly amounts for this complete joke of “insurance” has been the absolute biggest waste of money. They do everything possible to deny your claim, including taking information from your vet that your animal is aggressive (find me a cat that likes going to the vet) and then denying your claim because your cat being attacked by another animal is their fault (my cat actually plays with other cats in the neighborhood).

I purchased pet insurance for my 8 month old pug. It was expensive, 89.53 a month. Never had need for it and then they raised my bill to 121.38, quoting inflation. More like greed. I cancelled right away.

My puppy injured herself and had to get stitches in September. It is now December and they are fighting everything in them and is giving me the run around to pay her medical bill which all of her related appointments had exceeded our deductible. This company is a total rip-off and isn’t worth the $56 a month and is not benefiting my puppy and her needed. If you want to basically give away free money go right ahead, if not I advise shopping around.

I have (had) 3 pets insured with them and not once have they covered anything. The last time I tried to claim a newly prescribed medication, they said it wasn't covered but I could get an add-on, I said yes please to the add-on and THEN they told me I couldn't get the add-on because I've been with them too long! A lot of insurance companies are tough to deal with but Trupanion seems more deceptive than any of them because they'll claim to be "animal lovers", but the only thing Trupanion loves is taking your money. Be careful with them, the agents are nice and they'll talk to you about how sweet and cute your pet is, and sure, they might think so, but remember, it's their job, say "thank you", hang up the phone and continue looking for another company. Good luck to all you pet parents, it's a "dog eat dog" world in the pet insurance business.

Trupanion pet insurance is not transparent nor honest. I had them for a year and never made a claim. A friend warned me of them so I called to review coverage. Turns out they will not cover teeth nor hip because they consider them pre-existing. My dog never had teeth nor hip problems but when seen by a vet 2 years ago for vomiting was noted to have minor teeth issue and hip dysplasia. When I signed up for Trupanion they dug up, from prior vet visits, all the medical information they could to enhance the pre-existing conditions. They never informed me of what they decided not to cover. They were not transparent. Be careful as their exclusion criteria is long, vague and will be applied without your knowledge. You will continue to pay premiums then when you need them they may have found a way to consider a medical problem pre-existing.

Better off setting your own pet account. Covered $9 on a $1500 bill. No pre existing conditions. Have paid thousands in premiums for nothing. Took over a month for them to review and then they decide to apply double the deductible for 1 procedure. Save your money. Trupanion is a like a scam to me.

If you want to pay Trupanion to protect your pet, make sure of your pet's history, because a minimum exam will NOT be paid with a minimum problem you have had. My example is with cats. They usually have urine infections, even if they are minimal and if you later put a Trupanion insurance on them, even if it is a small urine infection. When your cat is older and as almost always happens, your cat has kidney problems, he will not pay any of these expenses that you have in this regard. In other words. look with the same magnifying glass to enroll them and spend that monthly money because they will look with a bigger magnifying glass so as not to pay you. Also, as soon as they got my first medical bills after 3 years, they sent a note that my insurance would go from $120 to $160.

Horrible experience with this company that will always find a way to not cover your claims. My dog had a treatment resistant eye infection so when I went to see a specialist they claimed the specialist consultation was not covered!! They will always find a reason to deny your claim or pay you back less than your monthly premium. By the way their denials cannot be appealed!!

When I signed up in the big bullet points - it said "What is not covered" "routine pet visits and preventative care". But when my dog got sick it did not cover the vet exam either - of which was not boldly on their site - and that part of the bill was the most expensive because it was after hours - they are deceptive in their dealings - when I looked at 5 other pet insurances up front you capped and the vet visit into your plan and they are clear.

My breeder recommended Trupanion and I enrolled my Mini Dachshund the same day we brought her home at 8 weeks of age. Shortly after that, she was stung or bitten in the face by something in the garden and her face swelled up to twice its normal size. She was obviously in distress. It was the weekend and our regular vet's office was closed, so we rushed to the emergency vet an hour away. They treated her and kept her under observation for several hours. The bill was $260. We knew $200 would go towards the deductible but expected Trupanion to pay 90% of the balance.

Terrible experience with Trupanion! My dog was misdiagnosed by a vet, claiming he had back trauma without doing any testing to verify his “diagnosis.”. This doctor refused to run a Lyme disease test. My poor 5 pound dog suffered for a month. Then, he started limping and we knew something was wrong so we took him to another vet. That vet ran an x-ray to verify if he had indeed any back injury. No back injury. Then she ran blood to test for Lyme disease. The results came back as Lyme disease. Trupanion refused to cover any of it, not even the x-ray to verify the first missed diagnosis.

I was looking for insurance that offered more coverage so switched from Healthy Paws to Trupanion. Big Mistake. I called first to make sure there would be no pre-existing condition clauses before I did and was assured there would not be so I signed up and canceled Healthy Paws. My puppy had two incidents, one was when he ate through an electrical cord and the other was for shaking for some unknown reason. Trupanion decided these two incidents constituted a foreign body exclusion on his policy. Even after I verified prior to joining it would not be. There was never a foreign body found in my dog. His shaking ended up being from fear of an appliance in my home.

Trupanion Pet Insurance, despite its marketing, is all about the bottom line and profit, which means customer service comes last. A year ago Trupanion sent an email about changing the deductible (never bothered to send a hardcopy). But the customer representative never made it clear that once you increase your deductible you can never lower it in the future. Dishonest.

Spent 12, 11 and 2 years paying premiums for 3 dogs so I would never have to place money over their care should something happen. When my multipoo developed a spinal problem and needed emergency care, the nightmare began. I was looking at a $4K MRI and then surgery which would have been covered at 90% (or at least that is what they are telling me - I don't believe they would have come through on this for a minute). Instead, my vet wanted to use laser therapy because it was less invasive which came to $240. They denied it because they sent me a secret email over a year ago telling me I needed to pay more money for an additional rider. The bottom line is when it came time to use them, all I got was lip service. You are better putting your money in a savings account. I cancelled all 3 policies and plan to let everyone and anyone know to steer clear of this company.

Trupanion is the single best investment I've ever made. During the early days of the pandemic, my previous dog Huxley developed a serious but very treatable medical complication requiring a $7,000 surgery. I had been laid off a few months prior (along with most of the rest of my company) and simply couldn't afford it, so I lost my best friend in a horrible, traumatic way just because of bad timing. 18 months later, I adopted a new puppy and decided I'd never again risk a repeat of what happened to Huxley. After asking around, I learned from friends that Trupanion is the best pet insurance available because they're the only ones that will pay vets/hospitals directly. Other insurance providers may be cheaper, but if you don't have thousands of dollars upfront for a major procedure, it's completely pointless having them since they only reimburse. I enrolled my new puppy (Aubrey) within a month of adopting her.

I have been with Trupanion for seven years. Over that time I have paid over 15 thousand in premiums for two dogs. I have attempted three claims which my Vet said should be legitimately covered. They have not paid, even with the latest clear cut dental surgery. When you call on the phone they are the nicest and try and placate you assuring you all will be taken care of. It never is. I do not know how they are legally allowed to do business this way. I think people get misled by the brochures in their vet's office. Our vet caught on and no longer displays them. I think many of us stick with them like a gambling addiction because we are in so deep. That is a good description based on how they do business, basically buy a lottery ticket. Buyer beware, this is an institutionally supported ripoff.

TL/DR: Company takes extreme approach to pre-existing conditions making connections that aren't reasonable just to avoid paying out. Example: Ear infection claim denied because in the notes the vet noted that I stated (me, not the vet) that my dog sometimes itched, which I thought was pointing to some underskin discomfort from her HOD, explained below). They made the connection that my statement that she was itchy sometimes likely meant that she had allergies, which likely caused the ear infection two years later. I can't make this up.

Trupanion Canada has honoured the terms of service in a timely, uncomplicated way. Unlike human insurance they do not make you jump through hoops. My dog became ill and after the agreed deductible, she is covered. My Vet's office submits the expenses, Trupanion Canada acknowledges receipt to me by email and then follows up with decision breakdown in an easy to read summary. Payment is deposited in my bank account or sent to me by cheque. Thank you Trupanion. You are helping me give my dog the care she deserves!

After paying $2500/ year and asking for help after 4 years of paying, they would not help. No other comments, totally disappointed. Canceling my policy for 2 pets. I needed help with my 1.2 years old GS for neutering with testicles not dropped (stuck in the abdomen) not a regular neutering. I would never ask for help if it would be a regular issue.

2 yr old Labrador Retriever, vomiting 1 week, declined treatment and diagnostics (ultrasound for foreign body) because at 4 months the puppy was eating some leaves and it was noted in the pet's chart. They refused to cover any of the diagnostic costs, because they claim it is a "preexisting condition". People try to do the right thing for their pets, and pay a lot of money for this corporation, which is a big scam. AVOID AT ALL COSTS.

Started paying premium when my puppy was 3 months old. A year later, had to get a non-cancerous tumor removed. They said it was a pre-existing condition from before I started a policy. What a scam. Avoid at all costs.

I have paid for Trupanion for three years. With three dogs I paid close to $200 a month. As other have shared, they have repeatedly and continually increased prices. The last notice I received two weeks ago had the rates going up 20% on each pet for the third time. We also unfortunately lost our girl to cancer and she had many health issues caused because of the cancer due to her declining health. Instead of paying any portion of her many costly vet bills, Trupanion used the deductible of $1000 for every line item, thus never paying out a dime for any of her care although it all related to the same thing, Cancer.

We got Trupanion when we got our puppy thinking that Golden Retrievers are high risk for all sorts of issues. We started off paying $26.76/mo. with a $1,000 deductible when she was 1 year old. A year later, they upped it to $31.90. A year after that, another bump to $33.85. A month later, they upped it again to $34.72. 6-1/2 years later, we're paying $37.89. Our dog is doing great, but had a lump on her back and a growth in her mouth and discoloration on her nose. We took her to the Vet to get them checked out, and they gave us an estimate which we sent to Trupanion. Over $1000 bill and said they wouldn't pay a thing.

With Trupanion, be prepared to have your rates massively increased as your pets hit age milestones. They start out at the puppy age saying to get on with them early to avoid the big hikes down the road. However, once they hit age milestones that make it difficult to switch, they start hitting you with the rate hikes. We’ve had multiple rate hikes exceeding 20% year over year. They want to get your in early, then price you out when you actually get to the age that there is some risk where you might need the insurance. They give a bunch of lies that it’s about new treatments and options, but you won’t necessarily see it in your area. Bunch of corporate ** when they’re just stabbing you in the back.

Always have to dispute their decisions, which includes contacting a vet so they can write a letter. Never processed a claim without fighting with them. No matter what the issue is they always try to find a way to tie it to something that he had prior to the policy (e.g. hematoma in his ear – well he had otitis 10 years ago so that’s a preexisting condition, hemorrhaging and vomiting blood – well he was vomiting 10 years ago so that’s preexisting). Put your money in your savings account to pay your future vet bill instead of throwing it away by paying those scammers. Lastly, the premiums tripled since we signed up initially, despite the fact that we were assured that ensured won’t go up with our dog’s age.

I have had Trupanion pet insurance since 2015. First, my two cats were enrolled. At the age of about 6-8 years, one of my cats developed a terrible ear infection related to allergies. Trupanion would not reimburse me for vet bills claiming that the condition was preexisting. Since my cat was older, I believed in Trupanion and accepted their explanation for not providing monetary compensation for vet expenses.

I purchased Pet Insurance for my 1 year old newly adopted dog in 2010. It was $34.00 per month and they said they would not raise the premium based on their age. They raised the premium steadily, year after year, so that I'm now paying $80.00+ per month. Their reason is the cost of vet services in my area. When there is an illness or injury, they carefully pick through which part of it is not covered, so if they examine your pet due to the injury or illness, that is not covered.

Obviously your experience will depend on your deductible, breed of dog and location, but my experience was extremely disappointing. We have an Old English Bulldog in Southern California and the monthly price was prohibitively expensive. My policy was $98.50 a month for a $500 deductible with the standard 90/10 split.

Unfortunately, 0 stars wasn't an option... I have worked at a vet clinic for 10+ years and did a lot of research on pet insurance. Trupanion was the one I chose because they offer a lifetime deductible per incident of the pet. I have recommended them to hundreds of clients over the years. That's how much I believed in this company. Mind you they only cover 90% after your deductible of non preventative things. So they don't cover exam fees, they don't cover vaccinations, or wellness visits, and they don't cover dental cleanings. I was all aware of that when I signed up.

Don't expect them to cover anything! They don't cover ANY exam fees even if it's an emergency visit and they only cover dental costs if your pet has a dental exam every 12 months. Absolute garbage. I am cancelling today and going to a different pet insurance.

We recently signed up for Trupanion pet insurance when we purchased a new pure breed Maine Coon kitten. We were told the first month of coverage came with our kitten purchase and we activated the coverage with Trupanion the day we picked up our kitten. Our breeder had told us she was treating our kitten for a “little bit of a kitten cold,” which we disclosed to our vet as he had been on an antibiotic prior to us picking him up. She also told us she was treating the other cats in her cattery.

This company is a total scam, don’t waste your money! I had 2 Yorkies that passed away at 17 years old. Over the years, medical problems arose and I paid huge amounts of money for their care. When I got 2 new puppies this year and my Vet recommended them stating they were great and paid for everything, I figured it would be wise to insure the new pups. They cover NOTHING! Everything, no matter when it happens in your pet’s life will be denied as a “pre-existing condition”. I have 3 policies for 3 different dogs and I’m out thousands of dollars in Vet bills - they have literally covered $0.

This review should be enough to keep anyone from trusting these crooks. I've been a Trupanion customer for about five years. During this time, my two cats both developed new issues that Trupanion was happy to cover, and this was after they did a full comprehensive medical review on both the animals. This past month Trupanion made rule changes to their policy that now states they are reclassifying this condition as a pre-existing condition for these cats. Not because they discovered new information about my cats, and not because of any error of my own. Basically they were saying that if I tried to get insurance for the cats in 2016 again, their new policy would have identified them as having a pre-existing condition. But it's not 2016, it is 2021. Now that we are several years into the agreement, they are saying the new condition that appeared during these years is actually a pre-existing condition now.

Trupanion is not cost effective when you’ve got a large group of pets, especially when you factor in wellness checkups, dentals, bloodwork, etc. If you have a lot of rescues, like I do, steer clear. My policy costs continue to rise every year and I’ve used them for two emergencies over the course of the last 6 years. I’ve had to raise my deductible to keep my policies somewhat affordable. They say they don’t raise your policy based on age, but they raise your policy costs in other ways, so it comes out to be the same as if the policy increased due to your pet’s age. Especially now with the pandemic, with people not making as much as before, or even having a job at all, it’s difficult trying to cover your pet if something happens… and you don’t know so you continue paying the increasing policy costs.

I've written less than 2 negative reviews in my life. Here is my second. Their entire business model is a scam. I learned the hard way that their deductible limit is PER INCIDENT, and is not annual (like every other health insurance company out there for humans and pets). Honestly I don't even know how this is legal. They tout that they will cover a new condition for life once you meet your deductible for that specific incident/condition, but think about it... How many of you when your dogs are young or aged 1-5 will develop a chronic condition?? How easy will it be for them to dodge coverage claiming your vet visits are all unique incidents? And for those with older pets, remember, these pet insurance companies won’t cover pre-existing conditions! What a perfect business model for profits!

I am extremely disappointed with Trupanion. Not only do they aggressively hike up monthly coverage costs (I am now paying well over $200 per dog, per month), they have an extremely liberal interpretation of "pre-existing condition." The way their claims adjusters justify denial of claims would not be supported by anyone with a reasonable sense of cause and effect. One of my dogs had a UTI, and they denied coverage because 3 years earlier she also had a UTI. What kind of reasoning is that? I wish I had not paid so much money to them over the years. I am actively researching alternatives.

This company will find any reason to not approve your claims. After reading the other reviews, I see that my experience is normal business practice for these crooks. My 3 year old pug had an allergy issue that was mentioned ONE time in his history and now every claim we do is blamed on allergies. He had an ear infection. Denied. Reason? Allergies. He had a small growth on his skin. Denied. Reason? Allergies. The procedure to burn it off? Denied. Reason? Other (guess they couldn’t find a reason to deny that one, didn't stop them though). Do not spend your money here. Find another insurance company because Trupanion will have you paying a ton in premiums to cover ZERO.

On their website Trupanion claims that they will pay 50% for prescription pet food. The two times I got prescription pet food for my vet they did not pay 50%. They get around this by their policy of paying 90% payout for claims. They claim this applies to the prescription pet food and they end up paying 90% of their 50% share. That is not right. Since they say they pay 50% they should pay 50%. 50% means 50% of the total bill, not 90% of their 50% share. This is deceptive advertising.

Trupanion will deny your claims and rip you off. I bought the insurance for my dog Bruce when I got him. It turns out that he had aggression and behavior issues. Lucky for me that Trupanion covers that! Only they didn’t. They repeatedly denied claims. I was told that I need to get approval for a vet for Bruce to receive behavior modification training, which I did. They denied the claim and told me that he had to be under the direct supervision of behavior modification licensed vet. That service does not exist in Austin or anywhere nearby. Terrible service. They will take your money and do everything in their power not to pay out a claim. Run away from this company! Set aside the money yourself…. That is far more useful than this service.