Trupanion Reviews

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.

I had just adopted a 1 yr old cat. I signed up for Trupanion. I was on the plan for 15 days when she started limping and not using her paw. I took her in, and they said it looked like some kind of chemical burn or something. They took out a little piece of sticky gooey substance that was stuck in her inner paw between her toes. They put it down as inflamed pododermatitis. The vet said that whatever it was caused it to inflame. It was not a pre existing condition. The vet called them to explain this, and all they said to me was from their notes, the vet agreed with them. I had just spoken with the vet earlier and they did not say that. On top of that, it took them 2 months to get papers from the vet only… Ridiculous. They keep saying it's within the waiting period…. 30 days.. But it was not an illness or pre existing, so the waiting period is 5 days… I had 15 days in.

I have paid then over $159 a month for 7 years. I added a rider last year for my 13 year old golden for acupuncture. I felt he may be in pain but not sure. I did not use the rider for 6 months. Started acupuncture and out in claims and they rejected them saying it was pre existing since he was on a prescribed anti-inflammatory. These people are horrible. I switched my other two Goldens over to Lemonade which has been amazing!! Stay away from Trupanion.

I’m aware of the 30 day waiting period but the pre existing condition is bull. Even that 30 day period is unacceptable. They say they care about pets, they don’t. They care about money and profit. Why would I pay the monthly premium and activation fee if my dog isn’t even covered for 30 days for illnesses? Why would a trip to emergency not be covered? It’s hogwash. Stay far away - not worth the monthly premium for regular trips to vet and even some emergencies! Highly suggest opening up a savings account for your pet and putting money in there monthly rather than in pockets of these shameless insurance companies.

This is probably going to be the most honest review on Trupanion that you can find. First off I just want to say that the customer service alone is not the best and every time I called with a problem to get more information on and for their help, to sum it up I would always be told NO. They never tried to do anything to better my experience and or help in any way they can to ensure I wouldn't stop giving them my business. The reason being for that is because Trupanion is actually a small company hence why they are strict and they don't always tell you everything when you are first signing up, very shady business. My mistake was during the waiting period, which is 30 days and very stupid, I fed my dogs too many treats and she got sick. Well Trupanion consider that a pre-existing condition because it happened during the waiting period and won't be covered if she ever got constipated by something else.

Trupanion has been very disappointing! I cancelled my policy with them about 6 years ago when they refused to pay out a claim after having changed my deductible for 1 month and then switched back to its original lower deductible. I SHOULD HAVE STAYED AWAY FROM THEM! I decided to try them again at my vet's recommendation because of their new direct pay options and 100% increase in the premiums of my pet's other insurance carrier at the time.

Their business practices are unethical and it’s disgusting - as with all pet insurance companies: “Excluding pre-existing conditions is standard in the pet insurance industry”. This used to be the standard for human health insurance as well, but it’s unethical and now illegal. Just because the pet insurance industry doesn’t have the same regulation, it doesn’t mean it’s okay to do this. It’s sad that companies like theirs have to be forced to do the right thing instead of just doing good. They're hurting animals and ultimately hurting people who want to care for their pets. No matter what condition my dog had, they found a way to make it pre-existing. She always had vomiting and they said because it existed before she had the policy, and anything arising from vomiting (which is a lot of conditions) is excluded.

They're refusing to cover a recent claim because it's "pre-existing." Our cat had coccidia as a kitten (which caused malodorous feces, the symptom Trupanion won't cover which isn't even a symptom now) and doesn't have coccidia anymore which is easily proven. Since she was treated for coccidia, she not only doesn't have coccidia anymore, she also doesn't have the malodourous feces either.

Scam. Horrendous coverage. Everything you ever submit gets declined if you ever once have taken your dog for a general symptom like they seemed lethargic before getting the policy. My dog has been to the vet three times for which I tried to submit a claim and they were all declined despite there being different reasons for the lethargy (one time was accompanied with vomiting, one time was a urinary tract infection, and one time was a slipped disc). All three diagnoses had lethargy as an accompanying symptom and so all three were declined coverage. I've wasted thousands of dollars with these crooks. They also take 1-2 months to file a claim and get a response.

Started at $75 3 years ago and now up to $150. The reasoning is; if animals of the same type are claiming in your area your payments will rise also. I have a mixed breed dog, most dog are cross bred lol. I’ve never claimed, never missed payment, never called to question, the last hike was 100 to 150.. I think I’m done.

As most have said this company raised their rates 33+% for no reason other than profits. They make absurd associations to try VERY hard to find a reason to get something categorized as "Pre Existing" and they usually do. Yes. It's entirely on HOW the Vet writes up your visit. Always only have 1 thing on your appointment, don't mingle things together, like hey we are going to the vet so let's have them check for this as well. That's a recipe for disaster trying to get a claim paid through these criminal LOSERS. I hope they go out of business and the CEO as rich as he or she might be suffers somehow in the future, they don't helps people in society. They add to the Plight of the avg citizen, taking money (and too much of it) they SUCK HUGE, CANCEL your policy ASAP>!!

Trupanion is a company whose real product is false compassion. They are little more than a bureaucratic machine, one who couldn't care less for the role a pet plays in a family dynamic, and they leverage false tones and engineered kindness under the illusion of care. When attempting to file a claim, secure a pre-approval, or generate support for a pet's condition, policy holders are met with fake manufactured support, only to find any attempts at financial reimbursement and/or payments are met with the actions of a typical insurance company; at any and all costs, find a way to deny the claim.

They don't pay for anything. Always an excuse of how this or that isn't covered. My dog had an ear infection. I submitted a claim but they rejected it saying they don't pay for examination fees. Apparently the only part they'd cover is the ear drops. Of course that's less than the deductible. You pay $77/mth for years. Occasionally your dog needs to go to the vet. And Trupanion finds some reason why they shouldn't reimburse it. This is a scam.

Absolutely horrible. My puppy got sick, was throwing up and lethargic so I took her to a clinic. They did a bunch of tests to determine her stomach was inflamed and gave her an iv and prescription food. They said it could be from the post spay meds or ingesting something by accident. The cost of the visit was over $900 and they covered zero. What’s the point of pet insurance if they will not help when she’s sick and needs to go to the animal hospital? Oh and it took over two months for them to look at the claim. Absolutely horrible. I do not recommend wasting your money as they are stingy and will fight to not cover. I had already spent about $150 on the couple months I had the insurance.

I should have read the reviews but trusted a vet who recommended them because they were paid directly by Trupanion. Thirty day waiting period is mandatory while they take your money so you pay for a month, in addition to an administrative fee, for nothing. The two claims I filed were denied because of pre exiting conditions that were nonexistent. My guess is that this is their default for denials.

I paid Trupanion $80 a month for years thinking that my dog would be covered if something major happened. Submitted my first claim ($190 bill for pink eye) and they weaseled out of it saying it was a preexisting condition because years ago my dog had a physical injury to his eye. These are two separate and totally unrelated conditions but they are all about taking your money and will do anything to get out of paying out on a claim. A completely worthless waste of money. Sorry that I dumped thousands of dollars into this scam, wish I would have put it into a pet savings account instead!

I have been with Trupanion for 6 years and every single year there has been a premium increase. Usually it's by a couple dollars or ten dollars per month, so I didn't give it much thought. However, this year, they gave me a call and told me my premiums will be going up by 35% to $100 per month. My dog is healthy and never had to make a single claim. A hike this high is insane--and such a hard blow especially during Covid-19 times. So after the call with the agent, I decided to call customer service and cancel my policy. When I spoke to them, the second agent told me that my premiums were actually staying the same. I'm like, "excuse me? Your other agent just called me to tell me that it was going up to $100. Why would she call me to tell me that if it wasn't the case?"

I have a negative experience with Trupanion. Keep in my that their insurance is condition based and they use vet techs to determine if your claim is eligible. They also take well over a month to review your case. I had three claims that were still under review for over a month. I had two cases in particular where I decided that I no longer wanted insurance with them.

Please do not use Trupanion. We brought home a new pup and were sad to learn healthy paws no longer offered coverage in our state - so we turned to Trupanion. Our first claim for kennel cough was denied bc within the 30-day waiting window. Got it. Fair is fair. Post waiting-window our pup was having some severe pain at night every time she shifted she'd yelp for ten seconds or so. We brought her into the ER bc she was clearly in pain. Turned out to be growing pains and sore muscles thankfully. She just made a big drama about it.

They say that they cover 90% percent of conditions but it’s NOT TRUE at all. Any issue your pet has prior to filing a claim will be used to deny your claim under the reason of “pre-existing condition”.

Trupanion is not an insurance company I will ever trust again. They prey on pet owners who love their pets. I recently, (for the first time), submitted claims because my dog has a bladder infection. My claims were denied because prior to starting my insurance I took my dog in for neck pain. They now claim that the neck pain was a precondition for a bladder infection and refuse to pay. I have been paying $120/month and this is how I'm treated? If anyone knows of lawsuits I can join so that the public can become aware of how this company treats its customers, please let me know.

I just received notice that my premiums will increase 30% a year. I have had the policy 6 years and at age 11 it may be too late to find another insurance company. I can assure you that this enormous increase will cause me to shop around and re-consider. When I called them I asked if enrollment is going down and they told me it’s going up and that in states like California and New York they’re seeing price increases. 30% increase? WOW! I wish it was that easy for all of us to just increase income 30%.

I am shocked at the way I have been treated by members of Trupanion. My experience with them was the worst I have ever experienced. I was denied on every occasion, for coverage for my dog - whom is under two years old, all because he vomited as a puppy (he ate a sock). They would not treat any issue if vomiting was involved - they even stated that "if he was hit by a car and vomited, they would not cover any medical treatment because he vomited."

I tried to sign up their insurance which was provided from the shelter but couldn’t because there was some issue and by the time I did my pet was Puking which they considered a preexisting condition and told they will not pay for any surgery if it was pre existing. He was vomiting that's it, not sure how that can be pre existing. My understanding for preexisting is from theirs.

I signed with Trupanion after they were recommended by my vet. They will find any reason to not cover claims and waste your time while doing so. It takes a painfully long time to just find out that things are not covered. My dog has behaviour issues that are not black and white and they are all being grouped together and basically nothing is covered and all ruled as pre-existing. Beware.

DO NOT USE TRUPANION FOR A RESCUE! THEY WILL CLAIM PRE-EXISTING! We rescued a puppy on December 14, 2019 and purchased Trupanion Pet Insurance. Our pup with her 3 siblings were abandoned by mom at birth. They were rescued and bottled fed soon after. Once starting on kibble our pup has some diarrhea. We took her to the vet for a full check up. Fast forward one year, pup has diarrhea and a fecal test, blood test and meds ordered. Denied. Appealed and denied. Laughable that they have linked the two. Looking for a new insurer.

We came to Trupanion because many of our friends who are pet owners recommended them, little did we know that we would quickly come to regret this as the worst mistake of our pet-owning lives. Where do I even start?

I am a longtime Trupanion Policyholder. I am very disappointed with the customer service. The rates have gone up extremely every year, and Trupanion makes changes to the policies without proper notification. And the customer serious is poor. If there is an issue, the customer comes last. Trupanion is another greedy, profit motivated corporation that puts its policyholders last. Save your own money monthly, instead being held hostage by companies like Trupanion who will rip you off over time.

Do not bother. Horrible company. Trupanion in bad faith denied my dog's MRI stating that it was possibly preexisting when he had never been diagnosed or treated for a disk issue. A board certified veterinarian specifically stated this was a new issue but because my dog was being treated for a blood clot they used that as an excuse not to pay. They are not honest and will deny claims as much as possible. The people that make decisions have no medical background and speaking to them is like speaking to a brick wall because they do not understand medical issues. I would have been better off saving the premium every month.

I purchased pet insurance in 2013 when my dog was a puppy. Every year, without fail, my rates have increased. After a few years of this, I called to find out why the continuous increases...I was told it had to do with the increase in veterinary cost in my area. I bought that excuse for a few years but now it's been eight years and my monthly premium has more than doubled. I believe this is not fair practice. I have many types of insurance - auto, home, business, health, dental and NONE of them have increased like this pet insurance policy through Trupanion. I feel what they are doing is illegal and should be scrutinized by the appropriate agency.

Trupanion just increased my rates 38%. We've not submitted any claims to date. Our dog's health status has not changed (still very healthy). They claim that rate increases are NOT due to the fact that the pet's age increases. They claim that increases are due to trends in medical claim expenses based on (1) geographic area; (2) type of pet: breed/mixed breed, size and gender. So, for example, if there is a large increase in expenses for mid-sized female dogs in the Bay area (where I live), and if my dog fits that description, then my rates increase. BUT...(1) this is during COVID... Don't tell me that expenses have increased 38% during COVID; (2) don't tell me that there has been some massive increase in claims/expenses among mixed breed, mid-sized female dogs in my area. Certainly not a 38% increase!

Every year my rates go up. In 6 years my rates went up $26 a month and I had to higher my deductible if not it would have gone up a lot more. I’m paying $57 a month for my 6-year-old dog with a $500 deductible.

My experience with Trupanion has-been mostly positive. With my plan, Trupanion covers 90% of the cost for most vet visits-- but they do not cover testing fees or exam fees, which can be very expensive when trying to diagnose and properly treat your pet. My monthly premium is ~$18, which I feel is a fair price for 90% coverage on most expenses. The claims process is a piece of cake, too, which takes the headache out of filing a claim. You're done in a matter of seconds.

I pay nearly $30-month and the one time I called about an issue, I received the “that’s not covered” spiel. It seems far overpriced for limited services. I have a breed with potential health issues so I spend quite a bit on special food and keep him fit and vaccinated. I don’t feel secure with this company since I am a very dedicated owner with experience showing dogs, yet there seems to be fine print in the contract.

When my dog needed medical care in several instances, they paid the claim without argument or procrastinating. Pet health insurance is priceless as far as I'm concerned. I don't want to be in a position where I have to choose between my dog's life and money. I tried the reimbursable pet insurances and had really bad service.

Very friendly. Nice staff. Helpful. Would buy again for my Newfoundland dog. They have helped us with his care for 7 years so far! They are different as they insure by medical problems. Call them to obtain the information for your pet. You will be glad you did.

They would not cover my dog for any dental because there was very mild tarter on 2 teeth which the vet said can easily be taken care of my brushing. My dog’s teeth are perfect. I had vet, vet dentist, and a friend that is in oral surgery look at it and all said the dog had excellent teeth. No inflamed gums, no bleeding, teeth are white, no cracks or broken teeth. I tried to tell Trupanion I would get X ray done of dog’s mouth to confirm no dental disease and take a picture of dog's mouth. They refused and said because it was noted by vet 2 teeth had very mild tartar there will be no coverage.

Trupanion cares! My dog needs meds daily and we are so thankful to have Trupanion on our side. It’s such a comfort to know there is no hassle with claims and almost immediate approval. Not like other insurance companies for sure! Thank you Trupanion.

Great pet insurance at a great price. And I don't have to worry about being able to afford the vet in an emergency. I've had this for over a year now and I can't say how better I feel knowing I can handle whatever comes up with my fur babies.

I submitted claims for my puppy who had never been clinically diagnosed by a vet for allergies. The first claim was for diarrhea and chewing her feet. They approved the diarrhea but declared the chewing her feet allergies as a pre existing condition. She was only 6 months old. So how they figured that I don't know. They based it on a phone call I made to the vet asking if my puppy could take my previous dog's meds because I THOUGHT she MIGHT have what my other dog had. No clinical determination was made at all. My puppy still licks/chews her feet 2 months later. Meds did no good. Vet doesn't know what is causing the issue. My Vet called the ins. Co. They pretty much told her anything gastrointestinal would be considered allergy and disallowed and they overturned the diarrhea and decided it was due to allergies too. My vet still has not determined my puppy has allergies.

I was happy with Trupanion until it got unaffordable. I had a very sick dog and they had to pay a lot out for him. Now, I have two dogs and I can’t afford their premiums as they go up so much every year. I had to get my deductible raised to $1000 so I could afford a $49 a month premium. Well, about three months after I raised the deductible The premiums were increased to $63 a month.! That is a 22 % increase! It was about the same increase for my other dog. So I have two dogs on this insurance, I’m paying $112 a month and each dog has $1000 deductible. Once these two dogs are gone I Will be done with Trupanion. What a rip off! I will probably just save some money to put aside before I get another dog.

Don't bother getting pet insurance. I was with Trupanion for 7 years and only was able to use the insurance once. Every year monthly costs went up, we started at 30$ a month and were at 75$ a month by the time we canceled. We were basically being penalized for being good dog owners and having a healthy dog. Over the 7 years, we were with Trupanion, we have paid at least 5000$ for insurance that we were never able to use because our vet costs are quite low in our area and fees never met the deductible ($250 - 500$ deductible over the years). The only time we could use Trupanion the bill was only 400$. So we basically flushed 4500$ down the drain. It is much smarter to put away the 50$ every month in a savings account and have it grow to cover any unexpected vets costs, than to put money into insurance you may never use. Learn from our mistakes and make better financial decisions.

My new puppy had a foxtail up his nose, and had to have an emergency rhinoscopy. He could not stop sneezing. I called Trupanion after I dropped him off at the Vet. They were kind and efficient. They paid my Vet directly before I picked him up the same day! It could not have been easier, transparent or straightforward. I had my insurance less than a month with no waiting period. I would HIGHLY RECOMMEND to anyone with a pet. I could not be happier.

We love our pets and want the best for them. Part of having a pet is caring for their medical and dental needs. I thought that getting a pet insurance would save me money but insuring with Trupanion proved to be a very costly mistake. My cat was diagnosed with Glaucoma. The vet told Trupanion on two separate occasions that my cat's Glaucoma is not a pre-existing condition. They've sent me email updates regarding my claim. On their e-mails, they kept on calling the claim, a claim for Conjunctivitis. I've told them repeatedly to stop calling this claim a claim for Conjunctivitis. Call it by it's correct name: A claim for Glaucoma. Conjunctivitis is an infection. Glaucoma is a buildup of pressure on the eye. If left untreated, it leads to blindness. These people don't listen. They kept on calling it a claim for Conjunctivitis. Still, I kept reminding them that the claim is for Glaucoma. Conjunctivitis and Glaucoma are 2 very different things.

Expensive policy even with $500 deductible. This insurance company does not pay for any office visit even if it is an emergency. And will not pay for the subsequent office visits after the emergency. Essentially it will pay nothing. If there is a pre-existing condition such as a teeth cleaning, it will not pay for any surgery involving the pet's teeth. Save your money!

I signed up for Trupanion Pet insurance 2/7/2019 making monthly payments to Trupanion. When I turned in invoices to Trupanion for my puppy's vet bills. Trupanion refused to pay any of them. I cancelled my policy telling Trupanion that I want my money back. They told me that they will not refund the money even though they did absolutely nothing for me or my puppy.

There was no option to give a 0 star, otherwise I would have given that. Do not expect any of your claims to get approved, They will deny all as preexisting conditions. I have a 11 months old samoyed puppy and I got the Trupanion insurance 6 months back. Since then I had 2 claims 1 for $650 and other for $730 and both were denied citing preexisting conditions so best of luck trying to get your bigger claims approved. (Please watch movie Rainmaker) and Trupanion is that kind of insurance company.

To anyone who is looking into pet insurance, particularly Trupanion DON'T DO IT! My husband and I have been paying into it for over 3.5 years, $40 a month which totals to over $1500, we file a claim for $500, and not only did it take a MONTH to process the claim, but they only gave us back $90. This is what I call scamming decent humans when their dog needs help. An Insurance company that (surprise!) lets you down when you need them. Put your money away so when your pet has an emergency you can help them. Beyond Furious with Trupanion. PLEASE DON"T USE THEM! IF this was a real emergency and not a minor surgery I know Trupanion would not be too worried about Tucker and whether he lives or not, just their monthly payments. AND I DEFINITELY KNOW THEY WOULDN'T COVER THE BILL!!!!

The people at this company are very nice, but very incompetent. You can never speak to the same person twice if you have a problem. Ever. All the calls go into the same call center. Billing? Call center. Spent countless hours on the phone trying to get your problem resolved and want more help outside the call center? Forget it. I spoke with two different managers, and could never get either one of them to call me back, even though one could not believe the errors they had made. Want to write the president? Snail mail is the only way. Or, and I swear they told me this, send an email with the president's name in the subject line and he'll get it. Sure!!! My sister also fell victim to them, and is still trying to get her money back, because due to their incompetence, seems like they make sure things take longer than 30 days to address and then they won't refund. The absolute worst customer service I have experienced in decades. But, they are nice!!!

I have four dogs all of which are insured through Trupanion. As of late just about every claim is rejected or paid at a substantially reduced rate. You really need verified they paid the proper amount.

I don't even know where to start. To sum it up if you bring your pet to the vet within the 30 day wait period, or prior to signing up, they manage to associate anything that happens thereafter with those visits. If your pet even so much as farts they will not cover anything gastrointestinal. If you prove it was not related they will ask you provide a diagnosis... which there is no guarantee they will pay for all that testing. They basically make up the rules as they go along in order to prevent paying a claim. Want to file an appeal? GOOD LUCK! Everything you call a different will tell you what guidelines you need to follow... when you call back what you did was unnecessary and they will give you another set of guidelines to follow. My vet contacted them asking what other information they may need in order to process my claim and they never responded. I submitting my claims about 9-10 months in and all 3 were denied.

I purchased insurance on Tuesday. Had a need to cancel. Spoke with representative that confirmed cancellation and sent follow up email at 119 p.m. Checked my bank account and payment got sent through anyway. Upon calling back advised it could take up to 14 days for refund. Interesting. It didn't take them 14 days to take it from me. Initiated policy on one day. Cancelled the very next day early morning at that.

The price is high. They do not cover pre-existing illness, even if there was a hint of it before the policy started. I've had dogs for over 50 years and for the most part they are healthy and need only occasional vet care. If something pricey happens to them the pet insurance will not cover anything because of it being pre-existing. If you decide to get the insurance before a condition starts, you will pay a lot of money. Chances are your dog will remain healthy and you will spend a great amount of money. Money that could have been saved for the possibility of a future vet bill. I believe that a pet owner would come out ahead financially by not having pet insurance. The winner in this is the insurance company not the pet owner.

We have had this insurance for our healthy dog for 2 years. We have not filed even one claim- not one in two years! We just received an email telling us that our rate was going up by 20%! I called them to inquire only to be told that it's not based on our usage or our dog but rather, they blamed it on the California Insurance Commission telling them they should! They also said it's based on what other people in my area are doing! What does that have anything to do with us being good clients? All of this RIGHT IN THE MIDDLE OF COVID-19! I am seriously shocked at this company's lack of integrity and basic business principles. We just cancelled our coverage with them and I will look for another company.

I am a huge advocate of Trupanion. My beautiful Great Dane was diagnosed with a heart condition 2 years ago and put on multiple medications. Trupanion covered without fail. My rates did not increase. 8 months ago, cancer was found, and they covered treatments, and more medications, again no rate changes. I am so happy that our coverage helped keep my girl with us. Trupanion, thank YOU! I am eternally grateful and will continue to sing your praises.

I must caution anyone who has their pet's interest and their own finances in mind that this company is not for you. I have two dogs covered under this company and have paid the premiums for literally years. Yet the company has denied almost all of the claims I've made. I accepted from the beginning that some issues would be exempt, but I can honestly say that I've wasted hundreds of dollars paying premiums to this company only to have my claims consistently denied. And also I have to say that my confidence in Consumer Affairs' assessment is totally shot.

Trupanion is one of the suggested pet insurance companies to use after you adopt an animal through the SPCA - and I want everyone to know how TRULY HORRIBLE and useless they are. We have had their insurance for the last 2 years and they have yet to cover a single visit, they say everything - and I do mean EVERYTHING - is related to a "preexisting condition." I recently brought my dog in for a severe ear infection and found out they denied the claim because it's related to his allergies. I'm sorry... what?

Trupanion says they are the best Medical Coverage possible with one simple plan that covers 90% of veterinary costs with no payout limits and a "lifetime deductible" but this is deceptive and is false advertising. What they gloss over is that the lifetime deductible is PER CONDITION or INCIDENT. In other words, you must meet the deductible every time you have a new condition or incident with your pet. Total Rip Off! The best pet insurance offers coverage that's broad enough for whatever health care your pet needs - with high enough limits to cushion you in a worst-case scenario.

I have had Trupanion for about 9 years for two dogs. Every year, my rate goes up, even if I have no claims. Apparently this is because of the cost of insurance going up. I've had to increase my deductible to try to slow things down, but it's going up and up. Started with $40 per year with a $100 deductible. Now I am at $90 with a $500 deductible. Total ripoff, and they never tell you this when you sign up. Choose another provider, or get it through Costco.

We—and our little Cavalier Spaniels—have been with Trupanion for over a decade, after spending countless hours researching pet insurance options and providers. Trupanion made it possible for us to pursue cancer treatment for our sweet girl, Molly, and give her another 2 healthy, happy years after her initial diagnosis. Trupanion also supported her eye care and medications for many years. Over the course of her life, we submitted well over 100 claims, and never—not a single time—did we have any trouble with the claims process, have to fight for a claim, or file an appeal. The claims process is extremely simple and takes less than 2 minutes to complete, and the money is in our account within just a few days.

Trupanion pet insurance Is a death sentence for your pets. In August 2019 I was given a nine month old Puppies. I was told by the people that gave the dog to me that the dog had all of his shots. I had found out that I didn’t have any shots whatsoever. In September 2019 I brought the puppy to my vets And had a full work up done on her and all of her shots. I have been going to my vet for over 20 years and she’s wonderful. When I was leaving I got a wellness package. Inside this wellness package How to form for an insurance. Call Trupanion when I got home. I called to find out more about this insurance. The representative for Trupanion had said There is no wait time for the new puppy I had received so if she got sick she would be covered.

I was given a brochure from our vet on this insurance. They also gave me an "email certificate" for 24 hours for...something, I still don't know what. I called the number. Was was connected to a man on the phone. Our conversation did not go well from the beginning. He talked down to me the whole time and getting information from him was terrible. He asked me a few questions about my dog and told me a premium quote with a deductible. When I asked him about other deductible options he was not helpful at all. The whole time I did not feel like he was interested in dealing with me on the phone. I ended the call after that. He could have had a pretty easy sale if he would have been more personable. We decided to shop elsewhere. If they can't treat you properly during the sale, I sure didn't want to find out what the treatment would be when came time to file a claim.

I reasearched several Pet insurance companies before I got my puppy. Trupanion by far is the best coverage, with no lifetime limits per condition. A few months after getting my lab, I noticed him limping, after an X-ray and physical exam (which I was well aware the insurance wouldn’t cover the exam fee as I had read the fine print) it was determined that he had a partial tear in his cranial crucial ligament. He now goes for rehab (laser treatments, acupuncture, and hydrotherapy) 2-3 times per month and has been on Chinese herbal medicine and I’ve not once ever had an issue with payment or approval.

They will go to any length to deny claims, fictitious pre existing conditions, absolutely horrible service, don't waste your money. Took me 35 minutes to cancel the policy, the worst experience ever, go with ANY other company.

I wish I had read the reviews on this site before signing up with this awful company. I cancelled all 3 policies today now that my new insurance has started. I adopted 2 kittens and a puppy about a year ago. Got them all their shots and initial clean bill of health from the organizations I adopted them from. About 7 months in, I took them to a recommended vet. I told them up front that I had Trupanion insurance which they were clearly promoting through the office. They proudly told me they had the auto system to upload claims making it super easy. Turns out that my girl kitten had gingivitis. The vet prescribed antibiotics and told me to come back in w weeks. Upon return, it wasn't gone. He ran feline aids and leukemia tests - which fortunately came back negative - and unfortunately cost me more $. The vet recommended he pull several teeth which I was okay with both to help my kitten and because I had the insurance coverage.

We had a terrible experience with Trupanion on our claims related to our 8 weeks old puppy. Thankfully they showed their true colors during the breeder certificate period, otherwise, I would only have been donating premiums close to $80/month, going forward. We obtained our puppy from a breeder and came home with a breeder certificate for 1 month. On the 4th day morning, our puppy had diarrhea and we rushed him to a vet. We visited the vet for 3 days. As our puppy started recovering, we filed claims with Trupanion. They rejected the claims citing "pre-existing conditions". We were shocked but realized that the vet had provided wrong documentations, with wrong dates. I will never forgive the vet for doing this and dealing with them separately. The vet later wrote an amendment and submitted to Trupanion. I also dropped a note to Trupanion's CEO asking if his organization would do the morally right thing or ignore everything.

I bought insurance for my puppy the day after I went to the vet for the first time. She had an ear infection when I got her from the breeder, and that was her only "pre-existing condition" (note this is a completely curable condition and extremely common). I started at a rate of $60 per month. In my first year, all of my claims were approved (severe diarrhea). More than 18 months after getting the policy, I made another claim for another ear infection. This claim was initially denied. The explanation I received was that this was a pre-existing condition. The more detailed explanation I got from talking on the phone and via email is that even though the initial condition had been cured long ago, they felt this was symptomatic of "allergies," and that any other future claims that might relate to allergies would also be rejected. So, they're making a correlational assumption about an underlying condition my pet has, even though that diagnosis is not coming from the vet.

The vet gave my dog a clean bill of health then pushed Trupanion on me to get the kickback paid to them. The next month my dog went in for three months of allergy testing before they determined it was treatable cancer. I didn't expect them to pay for the cancer treatment but I did expect them to pay for the diagnostic testing of the allergies along with the allergy medication, after my $500 deductible. He's got dry eyes from allergies, they wouldn't even pay the $3 for saline solution but they gladly took my $150 every month.

The only reason I kept coverage is because of how amazing my vet is. Getting anything paid for is one of the worst. First the deductible is per condition. So if your furry family member has multiple different conditions they will never pay a single penny. You might as well not have any coverage. Don't pay them to just have everything come out of your pocket anyway. The people act like they actually care, they don't. If you don't want to renew they cancel coverage you have already paid for. It is crazy they won't cover office visits. No doctor ANYWHERE will try to diagnosis and treat without exam. Duh!

Paid faithfully for a policy for our dog for ten years. Never had a claim. This year, she had a few procedures that added up to almost $1,000. I submitted a claim under the understanding that there was a $500.00 deductible to satisfy. The claim came back as 'approved' but provided zero benefit. When I called to inquire as to why they wouldn't payout, they disclosed that the deductible is applied PER AFFLICTION. So your pet has to have vet bills in excess of $500 per illness before they will payout. Nowhere in the quoting process was this ever disclosed and, in fact, to this day, if you work up a new policy quote on their site, they do not explain the terms of their deductible policy. They've opted to bury the language in their policy statement which I would venture to guess is read in about 1 out of 100 cases.

If you go with Trupanion to protect your pet, you are virtually making an expensive donation to Trupanion. I was with Nationwide for 16 years with my (I miss every day) last dog. They weren't bad, but didn't cover everything. And the premiums were reasonable. Trupanion will bait and switch you. You will get around a $58 a month promise, and then two months later will rise to $78 a month and every few months will go up another ten dollars a month. And this is just for a puppy and not an old dog! I have already spent more on premiums on my two year dog than on my 16 year dog combined! And Trupanion doesn't cover very much. They told me they now only carry chronic issues which is good if your dog has a serious chronic ailment. I'm afraid to cancel now, because my luck the dog will get something chronic. And she's too old now to get a decent premium.

Cancelled plan & they kept billing anyway. Never sent us any statements, just kept taking out money even though we cancelled. Spelt our dogs name wrong even though we corrected it, Did not seem to care. NO statements provided. I warn people of this insurance company.

Like many retrievers, my dog appears to be predisposed to nasal infections associated with swimming. My vet treated the first infection with antibiotics and symptoms disappeared, so one could assume it was cured. Soon after I got Trupanion coverage. Many months later my dog went swimming again and got another nasal infection that required sedation and irrigation to treat. Trupanion decided this infection was pre-existing and denied the claim. My dog is predisposed to nasal infections... some dogs are, but it appears Trupanion will never cover a condition that is predisposed. Apparently, because "once a nasal infection, always a nasal infection." What's the point of having insurance? After my deductible, I think it would have cost them something like $40. I dumped the policy.

I put in a claim almost 2 months ago for a condition my dog has never shows signs of. I reached out twice and was told to be patient and that they had all the information they needed. After 6 weeks they emailed that they were closing my claim due to lack of information. This was the first time they contacted me. I called immediately and the girl on the phone said they needed more records. She could not tell me what was not missing and then asked when my dog was fixed. I spoke to another person and they said again that they had all the information they needed.

My experience: Trupanion denied my dog's claim for dental surgery due to a single note of "mild calculus" prior to coverage. But there is no mention in the policy of "calculus," including no mention of it in the exclusion clause. Trupanion relies on an exclusion clause that includes a list of conditions - none of which appear in my dog's records (except "gingivitis" which is specifically ruled out in the records.) Even IF calculus were a condition justifying exclusion, there is no evidence that the extracted tooth had calculus (or any other condition listed in the exclusion clause.) I asked Trupanion - twice - whether there is any factual basis to support a claim that my dog's extracted tooth had calculus, or any of the conditions listed in the exclusion. Trupanion ignored this inquiry both times. It is painfully clear to me that Trupanion goes to extreme lengths to deny coverage.

This company is the biggest scam. They go out of their way to deny any claims. They make you jump through multiple hoops to get any claims processed, only to find some excuse to ultimately deny the claim. Don't bother with this company.

I got Trupanion at a high premium rate initially and then asked for a lower coverage rate to reduce my premium. The phone service rep did not complete this request and continued to charge me at the higher rate. I called again requesting this change again and was told I would be reimbursed back to the original change request date. Then my dog was injured and I filed a claim, looking online at the premium charges at the higher rate. I was issued a claim check by Trupanion, on which they did a stop payment, causing a bank fee to me even when I paid the higher premium. I called to inquire and was told that my claim was not reimbursable and that I would be reimbursed for the premium over payment, which I have still not received. Poor accounting, poor customer service.

Similar to many insurance companies Trupanion will use any excuse, whether valid or not to deny a claim. One dog had a surgical procedure, part of which involved the examination of a tumor. They did not cover part of the surgery because they do not cover examinations. The vet launched an appeal but they remained firm. Had the record used the word investigation it would have been covered. My recent denial was because I noticed a new dog holding her urine. I took her to a specialist who did complete lab work and said everything was fine. A month later she has an UTI and this is dismissed as a pre-existing condition. Again the vet called to explain that there was no evidence of a previous UTI, and again they maintain their previous verdict of ineligible. Shameful.

We took out Trupanion a few years ago to help provide coverage for unexpected big expenses which we have now had to endure. Their coverage is very disappointing. It is no wonder that people do not keep their pets when they get sick. Trupanion does not cover the tax you pay on your expense. You need to take them to see a specialist which you think won’t be an issue. Well - don’t expect them to cover your examination or consultation fee which can be expensive. Why? When I asked, they don't cover it because (according to them) that fee covers the cost of operating the clinic - for the techs, building costs, hydro etc. We have been paying a consulting fee to consult with and be seen by a specialist!

If your cat or dog has any pre-conditions prior to obtaining Trupanion insurance, they will steal your premiums on a monthly basis. When you file a claim they will not pay!!! They will make some incredible reach of how that pre-condition is the cause for your current illness. You can call me at ** to discuss!! My name is Sam and I will save you a lot of money and pain!!!!

My vet has to perform a surgery on my years old baby because she had a growth on her neck. We submitted all her medical record for the surgery. And Trupanion requests all her medical records dating back to few years ago, unrelated to her surgery. We provided them all the vets info and they still requested more. We were exhausted with their requests and decided to pay for the surgery ourselves and cancel this so-called insurance.

I covered my yorkie for 6 months before we discovered she had dental problems. I submitted a bill for pre-approval and waited. They rejected it coz there was no prior check up within 12 months of claim. I have no money to help my pet. Vet will not take payments. DO NOT GET SUCKED INTO TRUPANIONS BS. I could have been saving all those payments instead if paying trupanion for NOT covering my pet. TRUPANION IS A SCAM!!!

In the 5+ years that I have paid for this insurance, I have had 95% of my claims denied. I did appeal several of them and it got pretty ugly, but they finally paid out on a couple. Till this day, they rule "pre-existing condition" or not covered for everything. They basically don't pay for anything. They should just tell out that you are going to pay a lot of money for them, but they will never pay you back, and if you get close, you have to pay your deductible first before ever getting a reimbursement. They suck!

This company sales representatives misrepresent what their insurance covers and do not honor their 30 trial and total refund policy. They take 30 days just respond to a claim. They have the Worst Customer Service I have EVER seen!

I had an absolutely awful experience with this company. Just like most bad reviews of insurance companies, yes, this did center around a claim that was not paid out. I will not go over the exact details. But to summarize, my veterinarian took the time to write a full page letter stating that there was no way to test or diagnose my dog's ailment until he was 1 year or older. Therefore, there was no way to consider this a pre existing condition. There is a lot larger story to this. And while my goal at the time was just just meet my deductible for the year in case anything else happened, it came clear to me that any potential future submitted claims with this company would be a fight to get compensation.

My dog has seizures and it is covered by Trupanion. I notice that every single claim put through they deny and their excuse is the doctor wrote the word visit or any phrase that they can catch to deny the claim because it's not covered under the plan based on how the hospital writes it out. My dog went with a seizure and they did not cover it because they claim it was a doctor visit when he went into the emergency hospital at 3 am in the morning due to a seizure. At 3 am is not a doctors visit.. They are the worst insurance plan and will not recommend to anyone. Change plans...

Trupanion's doctors are as soulless as the doctors at human insurance companies. Over the years my cat was insured, Trupanion repeatedly twisted and connived her new illnesses into "pre-existing conditions" despite multiple appeals by the veterinary specialists who had spent years caring for her. Apparently the Trupanion assembly line doctors who never examined my cat knew better. On the single occasion Trupanion paid out, despite having covered a procedure, they refused to pay for the medication to treat the condition that the procedure discovered, claiming it was a "PRE-EXISTING CONDITION!"

This was fine when we had a young puppy and she could have issues - but it never will cover any heart conditions because she had a heart murmur. The primary reason is I gave them one star is they will not listen to the co-owner when you want to cancel the policy. Both of our names are on the policy but my husband signed the document. They want to market to him all the reasons why we should keep the insurance. I asked for this in an email three months ago. They still insist on billing our credit card and after a 30 minute call asking to talk to a supervisor they finally decided to take my word for and cancel the policy. In the end they say they will credit me from the time of my original email asking to cancel the policy. What they want to do is to appeal to your pet loving heart and make you stay with them. Ask to talk to a supervisor if you have an issue.

Beware of Trupanion! In 2009, I decided to get this insurance for my 2 month old puppy that I had adopted. I paid $31 monthly with $1000 deductible for "lifetime" of coverage. Sound good on paper, but I am now finding out that this insurance is useless and it is the worst insurance out there. In Sept 2019, my dog had a surgery to remove a lump on his paw, neck, and stomach area that cost $811. I also filed a claim for his eye and skin allergy bills worth $450. I thought I had met the $1000 deductible right? But NO! They categorized the lumps into two different lumps meaning my deductible was $2K and another $1K deductible for the eye/skin allergy. So for a $1261 claim, I had a $3k deductible in total. I was disappointed to say the least.

I was notified by email of their auto renewal. I called in and talked with a woman and told her not to renew and cancel policy. They will not refund the back 3 months. My error for not checking my bank statement, but I have been ill with my own medical problems, cancer and not paying attention to that until recently reviewing my credit card statements. I cancelled because since being a client since 2016, they barely pay anything on the medical vet charges and it is NOT worth it. There are many ways they try to get out of paying, saying this needed to be a new issue or not a covered expense. Very unhappy with Trupanion and the product. They said they are a subscription type insurance and it they make a mistake and keep charging your credit card, get it in writing that you cancelled it with them.

My Cat had eye infection and they rejected my claims, because they don’t cover this sickness. I was waiting to see this message over 4 months. Very bad experience, paying monthly for nothing. Thieves, very bad.

TERRIBLE customer service and communication. I called about an allergy claim which was denied just to know about the reason. I initially enrolled my pet in April, changed the deductible from $250 to $300 in July, submitted the claim in August. They told me that once I changed the deductible I would have to go through the 30 days wait period again, which I was not informed when I changed the deductible over the phone. But I accepted their reasoning to respect their company policy even though the agent on the phone did not properly inform me of this.

We have had this insurance for 2 years and they have not paid for any of our claims so far. They denied paying for biopsies saying that they don’t pay for “visits” and they also used every other ridiculous reason to deny payment. We canceled our insurance with them. The high monthly premiums ($100+) were a total waste of money.

Trupanion miscommunicated (or perhaps downright lied) about preexisting condition exclusions, so now that I am leaving them. I have much fewer options for my older pets, and I have paid plenty of premiums to them and never gotten a dime in coverage. (Which I understand is sometimes how insurance works if you don't need it, but we did and they failed, miserably.)

I enrolled in Trupanion since a doctor recommended. I have a new puppy and had to enroll before he has neuter, gastropexy surgery and hip x-ray as recommended. I paid $89 per month for 5 months and spent +$1,500 on surgeries but the Trupanion DID NOT reimburse any. The reason is they do not cover any prevention procedure but only cover when your pet is SICK or INJURED. This is not the one that I needed. I used be enrolled in another pet insurance with my other dog, so I'm going to change to that insurance company right away.

Trupanion will do whatever it takes to NOT reimburse you for pet care. I will not go into the specifics, but I submitted several claims for a very sick dog, they allege the condition was pre-existing before my coverage, which it was not. I am in the process of obtaining all medical records to be sure that a vet did not state the condition was pre-existing, but trust me, it was not pre-existing. $2000 and counting, and not one penny from Trupanion. Get another pet insurance, this company is pathetic and worthless.

I normally don’t write bad reviews ever, however, my bad experience with Trupanion must be shared to help future buyers. When we first got our puppy we were moving to a rural area known for fleas and ticks, so we went to the vet to start preventative care of a flea and tick medication. When we signed up for Trupanion they deemed that vet visit as a result of allergies and proceeded to deny every claim thereafter due to allergies being a pre-existing condition.

Last year I adopted a 1.5 year old cat from my neighborhood humane society.. I am luckily able to budget for pet care without help but thought it would be nice to use insurance to help plan for big expenses so I signed up my little guy with Trupanion. When I signed up for Trupanion I was impressed by their marketing (90% of all expenses after a modest deductible, nice). Even though the monthly premium of $55 was a bit steep I figured you get what you pay for and decided to try it.

I bought insurance for my dogs, I realize this is just catastrophic insurance and not healthcare. But every claim I have filed they found a way to deny it. Most recently my dog broke a tooth off, below the gum line and it required out surgery to get fixed. When I filed the claim with the multiple invoices for the one injury, they separated them and said each invoice was a separate claim, so most were under he deductible. The two that were above the deductible they denied saying I didn't have coverage. This was the last straw.

What a scam of a company. Doesn't really care about the wellness of your pets. Every. Single. Claim. Denied. They don't cover office visits, they don't cover vaccines, they don't cover de-worming, they don't cover when your pet gets sick. Period. How are you supposed to keep your pet healthy if the insurance company you pay hundreds for a month denies every claim? How can you say you care about pet health if your company doesn't even cover basic wellness? Don't ever get Trupanion insurance. It's a total waste of your money.

We had purchased insurance for our puppy the day we brought him home, 12 months ago. 6 months back the groomer hurt him and we had to bring him to the vet. It costed us 450$ including medicine and taxes. Our deductible was supposed to be 200$ for every claim, it took over 3 months for them the process the claim, to say that our deductible was over 300$ so that we would not be receiving any money back. The plan we had choose was a deductible for 200$ with 90% back to us. Company will find any reason not to pay you,! My advice to you is take your 75$ a month and put it in a jar and call it the medical emergency fund for your pet. And if ever you need it you will have enough to pay for the vet bills. I WOULD NOT GO WITH THIS COMPANY! You will be let down if you need to file a claim. Their customer service was very convincing however they will trick you to not pay you!

I have an 8 yr old American Bulldog. Perfectly healthy who never had any health issues. His wellness checkups have always been good. (He has been on a raw food diet for a while). April 2018 he hurt his knee while on vacation with us and required an ACL surgery. So we took him to one of the best hospitals in New Jersey for his surgery and we paid out of pocket - We had no insurance at that time because we didn’t feel the need for it. His TTA Surgery was successful and he healed well. It was then we were told to get insurance because there was a risk (I believe 40% chance) of his other leg requiring surgery because of the first ACL tear. Less than a year later after the initial tear he was exhibiting a slight limp on the same leg, we took him in and they did X-rays, they ran a scope and removed some more of ligament tear that was causing the limp.

We chose Trupanion coverage on the advice of our vet when our poodle, Max, was only three months old. He only had a couple of issues during his 13 years, and Trupanion paid appropriately. They have just refused, however, our final claim. And so I took the time to analyse their rates. In the 13 years between 2006 and 2019, inflation in Canada totalled 24.6% -- TRUPANION'S RATE WENT UP 475%. ONCE HE WAS INSURED, HOWEVER, WE WERE STUCK. This was a personable Vancouver-based company when we signed up. Now it acts like corporate America.

We got the insurance for 2 pets 6 years ago...one being 7 and the other about 8 weeks at the time. The younger one was very sick for 2 years and needed really expensive food. That allowance runs out after 2 months. He eventually got well and has needed little care since. The older one developed Cushing's...for which twice annual testing and monthly medication was very expensive. We got our premiums back big time on her. Trupanion even sent a sympathy card to us when she died 3 weeks ago. They pay promptly and are very easy to work with. But no exams and no routine care are covered. Premiums for my old girl were at $96/mo which I did not think unreasonable for a 13 year old. It's like all insurance. You are paying the premium in case you need it. One ACL repair on our girl was $2100, we paid $100 deductible for new diagnosis, then they covered 90%.

Insurance companies are difficult to deal with in any scenario but Trupanion is one of the worst of the worst and this is coming from an almost 6 year long loyal customer. My first experience with them was when my dog tore an ACL and had to have TPLO surgery. Trupanion was great through the start of the process. Approved all claims leading up to the surgery even pre-approved the almost $4000 surgery. That's when it all started to go bad.

I got Trupanion coverage for my puppy who developed bordetella. The emergency check-up and treatment were not reimbursed by Trupanion despite my having complete coverage. They cited odds "outs" in the policy such as a check-up not being covered: an emergency check-up not getting covered by policy makes no sense. Despite my providing all the paperwork and answering their questions, my claim (check-up and diagnostics, medicine) was fully denied. I have cancelled the policy as it is a false sense of security. If pneumonia is not an unforeseen condition, then no other will be. The staff on their 24/7 line also seem undertrained (borderline rude) and the grounds for denial were not detailed at all. This is a sham and I recommend staying away from it - it is a waste of time and money.

Subscriber beware. My rescue pet who I’ve had since he’s approximately three months old, now seven. I’ve been with Trupanion since I got him. When I started with Trupanion, my monthly insurance for emergency care, wellness care not included was $24.99, they’ve increased my rate every year but one I now pay 64.99 a month. I’ve called them approximately three years ago they told me if I raise my premium I could pay less. I did so three different agents quoted me my new rate, however I was not charged that lower rate. The manager told me I was quoted the other rate in error but yet three different people made that same error. Fortunately my dog has been relatively healthy. In the last seven years they’ve paid me seven dollars. I would not recommend Trupanion.

Not worth it, practically a scam. They tell you that you have a deductible. What they don't tell you is that your deductible is per incident and per year. Nevertheless my dog had 1 issue that was treated over 4 different times and they categorized it as separate incidents - when I called them to find out what happened they said my DR notes weren't clear enough, after clearing it for them they said they will re-open the claim and follow up with me within 1 week. It's been 45 days. No one contacted me. When I finally reached out they said "I do not see any appeals on file at this time. I do see you previously spoke with Alyssa, who was going to contact the vet for you regarding filing an appeal." What a waste of my time and money.... You are better off putting the $100 aside every month in a bank account and using it for when needed.

They will take your money and not cover your pets issue. Customer service is no help and just gives you the runaround about your policy. They will charge you before you even use their service. Awful company, DO NOT USE!!!!

I feel like this was a "bait and switch". I feel deceived by the sign up process. I was told one thing when on the call asking about signing up and in the solicitation email, then another after the fact. They use a very promising short form for the contract that makes you think this is the coverage and it's complete and simple, when, in fact, there's a longer contract (which they send you AFTER you've signed up so that you probably don't think to read it, since you've already signed up and paid and think you know what you've gotten!).

My pet had an extraction and dental cleaning on July 9th, today is August 8th and I finally received an email that they were paying nothing toward my claim. They paid a dental extraction claim for my dog in 2014, but have apparently made a change to the policy after 2017. I called in before the surgery and was told any extractions were covered, but not the cleaning portion. I guess the person on the phone was not aware that extractions were no longer covered. I feel all policy changes should be grandfathered for people who hold policies prior to the policy change. I guess I have a $932 bill to pay 100%☹. I have decided to cancel my policy, I have no faith or trust in this company.

Well, I've been a Trupanion client since my beagle was 2 years old; she's almost 11 now. Of course the premium increases every year, she's getting older! My gripe with the is company now is their claims paying process: kind of a joke! I submitted invoices for a Vet visit because my dog had been quite ill. A month later I called Trupanion to follow up since I hadn't heard anything. I was told that they were behind due to the July 4th holiday but my claim should be processed in a couple of days. A week later I called back and got the same excuse! Mind you the holiday was a month ago and it was one day! Their lousy claims paying procedures seems to be a common theme with this company. They seem to be fairly good otherwise. I hope things improve because I'm ready to switch and for the record, I'm an insurance broker!

BEWARE of the this company. They used to have a great reputation, but things have changed dramatically for the worse over the years. They do whatever they can to make leaping ties to pre-existing conditions so they don't have to cover any claims. Unless you have a puppy that has zero known health issues, you're better off setting aside the money you'd pay each month to Trupanion for vet bills and/or an emergency account. I've now spent $3,000 with them over the years, have submitted at least 15 claims, and they've covered one of them. An example of one of the claims they rejected was when my dog injured her ear (an acute physical injury) and they refused to cover the cost of treatment because she had an ear infection 4 years prior. It's ridiculous and infuriating. The only good that can come out of my situation is if someone else is able to benefit from it. I've heard good things about Healthy Paws. Good luck!

What’s that old expression about “if it’s too good to be true...?” We took our nearly 12 year-old mutt Clyde to the vet for his annual check-up in early June. He needed expensive dental work, so the vet talked us into signing up for their clinic care plan. We also received a free trial month of Trupanion. I’ll be honest, I looked at the cost of the Trupanion plan post-trial and thought, “it’s just not worth it.” As an older dog, Clyde carried a hefty monthly premium.

Due to a clerical error on Trupanion’s end, they wouldn't reimburse me for my claim because of a “lapse in coverage” that was caused by their clerical error. Again just another “red tape” mistake by an insurance company that is at the policyholders expense. WOULD NOT RECOMMEND. Spoke to an manager to appeal and was told, “we don't do that”. Go for ANY OTHER pet insurance company as some have immediate coverage from sign up date, and Trupanion does not take accountability for their clerical errors I dropped my policy that moment for both dogs.

They are very good at collecting your money. They are misleading as the coverage. Was told that my dog had a pre-existing condition even if she jumped and injured her knee. The example of an injury is when your dog is hit by a car. I canceled the policy. DON'T want to spend the time fighting their misleading policies.

I have had Trupanion for my Pomeranian for 6 years. This insurance has been awesome and has more than paid for itself in the last 2 years alone. I don’t understand the negative reviews. Yes the premiums go up every year but so did all the other pet insurance companies. If your pet isn’t enrolled in Vet pay, you will receive reimbursement for your claims within 3 days. They have NEVER denied any of our claims and we have had many in just the last 2 years. Probably more than most claims in 2 years than most people have in the lifetime of their pet. I am so thankful we have Trupanion for our fur baby.

This company is awesome at collecting your premiums. They also are awesome at raising those premiums annually like precision clockwork while claiming the don’t increase premiums annually due to age of dog. Instead, they claim increase is due to “increase in vet costs in your area.” Awesome for them since they don’t actually pay for much anyway and if they do it is not without a fight. Declined coverage previously for mass removal surgery claiming it was related to Addison’s disease which was pre-existing. I understand Addison’s is pre-existing and not covered. The surgery was not related. Appeal quickly filed and decision overturned. Great.

Got my puppy (German Shephard) and went to my vet shortly after to get her checked up and get everything going for her spay. We then started noticing after her surgery, that when we were teaching her how to sit, we could feel her hips popping. So as a RESPONSIBLE pet owner should, we went into the vet to try to figure out what's going on. The vet said it could be hip dysplasia but the only way to know for sure is that we do an x-ray. So we say OK and the vet said but in case it is, it would be a good idea to get pet insurance as it could become costly. And they recommended us to Trupanion. So we got it and then a couple months after getting her policy we take her to have her hips x-rayed. And she does have bilateral hip dysplasia. So I submit my claim on it because we now have an appointment to have a surgical consultation because its so severe and shes not even a year old yet.

This company will work to find a reason to deny your claim - whether it's applying separate deductibles to allegedly unrelated illnesses or finding some minor notes from your vet that there was a similar/prior incident, even if it was years ago. In addition to annually raising rates to an unconscionable level, they also obfuscate, don't return calls or follow through with their commitments. It took me months and months to close out a case, ultimately denied, when three vets treating my pet wrote and spoke to them to dispute their findings. In the end, it wasn't the money or lack of it that irritated me, it was the sugar sweet pretense of caring as they bumbled through their delaying tactics to find a rationale for their denial. Had it been about the money I would have been persistent, but dealing with them was simply exhausting - and I'm talking multiple supervisors, agents and the appeals staff. Oh, the one thing that works really well is their billing. Clockwork precision.

230% premium increase (with no claims) in 5 years. I think that says it all. Cancelling today. Since I have to use at least 200 chars before I submit this is filler. Is there really anything else to say, the numbers speak for themselves.

My dog Reese needed 2 hip replacements. The co handled it very well. Thanks Trupanion. They could not have been any better. I would say to all use this co. We are doing stem cell first. If that does not work then we do hips replacement. They are cover both.

Please avoid this pet insurance company. They claimed they called me three times on an important matter but it was just a straight-out lie. And they gave us the run around with our reimbursements when we did use them. I am sure there is a better company out there.

If I could give no stars, I would've. They have not honored a single claim. My dog was vomiting. The claim was denied on the basis that he's vomited before. Well what dog hasn't?! He had a growth removed. Again denied because he had a growth 7 years ago as a puppy. An ER visit for a back injury. Zero reimbursement because there is a $450.00 claim PER CONDITION and although the total cost was just over $500, they don't cover the "exam portion" so ZERO PAID BY TRUPANION. This is the biggest scam I have ever experienced. We pay our monthly premiums every month, but they pay NOTHING.

My dog was diagnosed with a mast cell tumor and needed surgery and further treatment. I was reluctant since this was my 1st claim and didn’t know what to expect. All I can tell you is wow I submitted my 1st claim and within 2 weeks I got reimbursed for 90% - my deductible, after that it was 3 days. Trupanion is a great company. I will recommend them to family and friends. Such a peace of mind knowing your little babies are covered. Thanks Trupanion!!!

REAL COVERAGE = 35% + PREMIUM INCREASES = 100%. Trupanion mischaracterizes its coverage when it claims to provide 90% coverage. Here are the disclaimers they should add every time they make that claim:

Beware of these rip off artists. Started at 56 per month 5 years later 106 per month with zero claims. They lie and take your money. Every year they raise the premium without asking or consulting you whatsoever.

My 10 year old German Shepherd has been insured with Trupanion for over 3 years. This year, he developed neurological problems with his back legs. At the recommendation of his orthopedist, I had an MRI done, the beginning of April (4/4/19). I submitted the claim immediately. Trupanion requested and received records from my vets. Then several weeks later, requested additional records going back over 4 years. It is 5/13/19, and they still have not processed my claims. Additionally, my dog receives physical therapy for a previous injury (that was covered) and the PT claims, since the MRI, have not been processed, either. There are currently 6 claims, pending processing. I have contacted customer service several times and keep getting the runaround.

We have a dog with multiple health issues, including epilepsy (which requires expensive medications), and have had nothing but good and prompt service from Trupanion, both online and in person on the phone. They have consistently been timely and responsive and we are very grateful to have them in our corner.

I have had pet insurance since my dog was 2 months old. She is now 13. I have never filed a claim until recently. I went to the vet because of some tags that got worse and also, there was formation on her body that was filled with liquid. I thought it may be cancer, etc. I went to the vet to have her examined and he opined that it is most unlikely that it is cancer.