Trupanion Reviews

I have had this insurance for years and every claim I have submitted had been torture. They stall and don't try or follow up on getting paperwork and then they will shut down your case unless you realize it and intervene. Also if your pet had a preexisting condition they try and connect any future issue back to that one to avoid paying. They are a disgrace! Of course you can file an appeal assuming you and your vet have this kind of extra time on your hands. Don't waste your money. Heard great things about Healthy Paws so will be looking into them.

Do not insure with them. Client for nearly 3 years paying an $80 premium for my dog. Sent an email for our "anniversary", they were raising my rates to $172.00 per month! I have NEVER filed a claim. EVER! Cancelled and spreading the word on this horrible company. Heartbroken.

I just had a major claim denied for my 10 yr old lab. She had a skin tag on her eyelid that had previously fallen off but HAD NOT BEEN TREATED. The tag grew back and was irritating her eye. It was growing quickly and the Vet said it needed to come off ASAP or she would need to go to an expensive specialist. Trupanion denied the claim because she had always had the skin tag - even though it had never previously been a problem.

I have submitted several claims and every time they find an excuse not to pay. On my letter of outcome they had the name of a vet's office that I have never even been to. I work in the veterinary industry and find their mistakes inexcusable. They kept asking for more history every time a claim is submitted even though they've already been sent EVERYTHING! I wonder if they lose the histories and need it again. I'm looking for another insurance company as soon as possible.

Bought insurance from Trupanion when my dog was 5 months old in May 2017. The premium quoted was $79.40. Within a year in May 2018, received an email saying due to veterinary equipments cost, the premium has updated to $100.74 per month. I have received an email today that for the love of our pet, the monthly premium has updated to $120.43 as of May 31, 2019. Basically there’s a ~30% increment the 1st year and ~20% the 2nd year. My dog has just turned 2 and have never submitted a claim. If I do the calculations right, I will be paying a couple hundred dollars when she’s 5. I’m looking for another insurance company since my dog is still young. Although they said they won’t increase the premium due to your pet’s age, they do raise the premium with other reasons.

When we got our dog, we figured we needed to do a bunch of things to take care of him. Getting insurance and signing him up for a vet seemed among the most important for his health. We did both but unfortunately we didn't think to wait to go to the vet for 30 days after signing up for the insurance. Trupanion has a 30 day sort of waiting period after you sign up. The vet told us that Hugo (our dog) had a heart problem, and eventually it turned out that we'd need him to have an $8000 surgery. Trupanion said that because we went during the 30-day waiting period they wouldn't cover it. Had we just waited for some days until the period ended, presumably they'd have covered it. The lesson I'd say, is if you're with Trupanion--they want you to avoid seeking medical care for your pet until their bureaucratic rules complete their term. On the other hand, they offered plenty of faux sympathy. If you value that be sure to make your monthly payments.

For over 12 years Trupanion Canada has been by my side through anything my dog had to go through. Reimbursements were in my account within 2 weeks of submitting and I never had a problem with my claims. After her passing, Trupanion was still there to help and I even got a handwritten sympathy card from them. I strongly recommend going with Trupanion. Thank you Trupanion.

They say they cover so much but then you put a claim in and they have excuses not to cover. My dog has cancer. I have claims for about 5000.00. They have had them for a month. I keep calling. You can't speak to claim department and your answer is they are working on it. I have to now go back every month for check up for cancer. They will not cover those appts. Every claim I have put in and have answers on are denied then they deny an appeal also. Do not go with this company. They are awful and don't pay your claims.

I recently joined Trupanion, I will advise they don't cover many things and you will ended paying yourself. This insurance is waste, I filed a claim. After 4 week they declined it, it's a pre existing condition as my puppy had diarrhea before, I spoke to my vet and they said it should be covered as it's not pre existing condition.

I am deeply dissatisfied with the services Trupanion offers. I pay a monthly fee of 89 CAD just to cover every condition on my own. Recently my dog had to have a molar tooth extracted because it was broken. The procedure costed 1200 CAD, I covered the 700 CAD deductible, which I knew I have to cover, and they covered only 300 CAD. I recently discovered another fractured tooth and took my dog to the vet, we are trying to avoid extraction and got him antibiotics and anti-inflammatory medications. However, Trupanion does not want to cover because apparently it counts as a new conditions, which it does not, because he already had a broken tooth condition before.

We have had Trupanion for both our dog (8 years) and our cat (5 years). In January, our cat became severely ill, and a referral was made by our local vet to a specialty clinic. He was in Critical Care there for 5 days, had numerous ultrasounds, lab tests, a blood transfusion, a bone marrow biopsy, and had to have a feeding tube inserted. Yesterday, we had to take him back in for an infection at the feeding tube site. To date, Trupanion has been nothing but great! We have the 90/10 plan with a $100 deductible. Our bills to date have totaled almost $17K and Trupanion has paid 90% of those bills, excluding exams (yes, even including the ICU exams) and state taxes. We will have a big decision to make in the next day or so, but at least cost consideration will not have to play a role in whether to euthanize or not.

So I've had this policy for a couple of years on my very healthy and very large dog. I got it because sometimes these big dogs have patella problems, hip, what have you. So he stepped on a thorn or something the other day and I took him in and the vet filed a claim, which was stupid on my part and theirs as well because now "limping" has been deemed a pre-existing condition. And heaven forbid, the dog needs knee surgery down the road and they have "limping" on his record. I asked the Trupanion clerk on the phone if it were possible that in the event the dog had a knee problem that they wouldn't cover it and she said, yes it was possible because perhaps it could be related to the aforementioned "limping." TOTAL SCAM.

During the past 5 years we have had Trupanion pet insurance for our 4 pets, premiums have totaled approximately $6000.00. I recently had my first significant claim when our Basset Hound developed glaucoma. Since we have $1000 deductible, I submitted all the receipts totally approximately $1250.00. I was told by their representative that evaluations and diagnostics were covered, but Trupanion disallowed all these claiming that these were merely "exams". My dog has had over 13 appointments to diagnosis his eyesight and adjust his medications, and Trupanion did not pay for a doctor's' appointment even when an ophthalmologist was involved!

Scam company, avoid at all costs!! Go with Figo or Healthy Paws. Trupanion only has customers because of the free month sign up program they have in vets' offices. Well guess what, I signed up for that, sure enough my puppy needed to go to the ER 3 weeks later, I submitted the claim (mind you ONLY FOR $300) and they declined all of it! The reasons they provided were completely FALSE and fabricated dates, I had proof which I responded back with. THEY DID NOT EVEN ANSWER MY EMAIL AFTER MULTIPLE FOLLOW UP ATTEMPTS. Horrendous, horrendous experience. Stay as far away as possible.

Total rip off!! I asked for a pre-approval for some fractured teeth, waited 3 weeks only to be told they don't do CLEANINGS! If my vet had not specifically written that he had "examined" his teeth, which he had, and my vet told me my dog's needed to be cleaned but nothing more was wrong. The vet did not note the fact that he examined his teeth in his chart, as my dog was there for something else, so because the vet didn't note it, then I'm SOL with Trupanion.

If I could give them 0 stars, I would. I purchased ins. for my cat in Nov. 2017. As of 1/1/2019 my premium almost doubled. Just prior to purchasing coverage she had a severe kidney issue which my vet pulled her through. Once I started filing claims however, they tied everything back to her kidney problem (even though it was no longer an issue). Once I was told that my vet couldn't prove that the issue WASN'T due to her kidneys. Sometimes they pay claims with no issues, but most of the time they are denied claiming the issue was due to kidney function, even though her kidneys are functioning perfectly.

We recently purchased Trupanion insurance to cover our French bulldog. We signed up on 1/4, and Trupanion sent us an email on 1/25 saying we could begin submitting claims. Our dog was neutered and has soft palate surgery on 1/29. We filed the claim and they REfUSED to accept it because they said we did not wait 30 days. Why did they send us an email to begin submitting claims on 1/25 if it was not true. This is falsely misleading us, the consumer. This company is such scam. Don’t waste your money and just find another pet insurance. Due to this incident, I’m filing a dispute/complaint with the Better Business Bureau. They should not get away with sending false and misleading information to their consumers.

We have a 4 year old Golden Retriever-- Trupanion sounded like a good idea at first. They said as a puppy the premiums would be much lower and we would not pay the premiums ever for an older dog and that they do not increase them because of age. We have a $250 deductible and Trupanion has us on a 90/10 payment. Well, our premiums have gone from $35 month to $87 per month in that period of time. So they are saying it is not because of age but because of the cost of care which is BS. The representative tried to spin the situation that it is a good deal with unexpected costs but I feel they are just taking advantage of all of us that love our pets. I wish I would have never heard of them, and certainly going to explore other options-- wish I would have done so originally.

I had prior experience with Trupanion prior to signing up my 2 year old lab last year. They were reliable and easy to reach and had a great experience when one of my other dogs had an accident. They handled the expenses perfectly. I thought everything would run as smoothly. Unfortunately 10 months into my first year with my lab (whos in excellent condition) they surprise me with a 25.7% premium increase! I thought it must be a mistake. Poor "Customer Service" Rep couldn't say anything but their script that rates are based upon...blah, blah, blah. Not sure about the rest of the world...but not much in my area related to dog costs fluctuates 25%.

My veterinarian encouraged me to purchase pet insurance when I adopted a second cat. The vet said in a vague way that all cats had variable risk for these issues, and since I was adopting a second cat, it might be good to spread out that risk. At that time or at some time before, he told Trupanion that one of my cats was a particular risk for periodontitis. Trupanion later used the vet's report as a reason to deny my claim.

Being available 24/7 is good... But they really try and hide the fact that they don't cover examination/consultations/any verbiage like that. I understand deductibles... But if your claim is accepted, they should cover the exams, etc... Just like car warranty and personal insurance, pay upfront then get reimbursed once accepted... Once our "trial" is over will be going with a more common sense pet insurance company, that actually cares and isn't a scam... I even sell cars and this is scam. Lol.

When I brought my cat to the vet for seizure-like behavior, the vet referred me to a neurology specialist and also provided me with a 30-day trial offer of Trupanion, as they knew the cost of imaging was going to be expensive. I signed up figuring what the heck, I had nothing to lose, but I had no confidence in them covering anything. Reading through the site's rules, normally there's an 18 month waiting period (meaning you aren't covered for something in that time), but signing up for my 30 day trial through the vet sponsorship, the website said there were no waiting periods in my case.

This company is all about the money and could care less about your beloved pets. Once you've signed with them and they pay a claim for a condition, you now have a pre-existing condition that will not be covered by another company if you choose to change. If you have a sick pet and you can't afford your monthly premium, sure you can raise your deductible to lower the rate - however - now you have to meet that new increased deductible on your illnesses for them to resume payment on your claims! So now here you are, your pet has a pre-existing condition that another company will not cover, you can't afford your premiums and you can't lower the cost because then you are out of pocket until the higher deductible is met. It's all about the money. Find a reasonably priced caring insurance company that actually cares about you and your pet. Don't get yourself stuck like I am with these thieves!

Part of the reason for insuring with Trupanion was their claim that premiums would not increase along with the pet's age. In the 7 years since we began coverage with this company the policy premiums have doubled. The most recent premium increase was 20%. They claim this is because of increased veterinarian costs in my area. This is entirely false, vet expenses have not doubled in 7 years. When I point this out to them they come back with some obfuscation about the overall economics in my area. Now I feel somewhat trapped into continuing as I've already invested a huge amount in this policy. I feel like I've been scammed by this company.

I have had an absolute horrible experience with this company over the last two weeks. I have only been insured with them for a couple months, but my Bulldog has recently had a partial pulled/tear to his ACL. We have been looking at alternative ways to help him other than surgery. I got in contact with Trupanion immediately to figure out my options. I first spoke to Amber ** and she told me as long as my veterinarian approved the alternate care they would cover it. She was suppose to send over a pre-approval form but never attached it to the email. I then had to contact them three more times over the next week to try and get this pre-approval form. Finally today I spoke to Bonnie **, just to be informed that what is being recommended for me to do as an alternative healing process (laser therapy) is not covered by my $120 a month coverage plan.

Pet Owners, please do yourself and your pet a favor by getting another pet insurance company. This company is not reputable. If your dog has multiple tumors, they will say each one is separate (if they haven't found a way to claim it is a preexisting condition). If your pet is ill and needs diagnostic tests, they will not pay for them if they can find a way to say the pathology is not covered. You are not safe with this company.

I purchased Trupanion pet insurance almost a year ago for my Boston Terrier puppy, who is now 13 months old. I was paying $42/month. I got a notice by email advising that my rates are going up to $52/month. I contacted them, and they advised me that due to inflation, and the increased cost of veterinary services for my specific breed and/or my location, the rate is going up. They advised that they do this every year, and stated that in SOME cases, the rates can go down. I find that hard to believe. I now have no doubt in my mind, that if I stay with Trupanion, they will increase my rate a year from now. When I initially signed up for Trupanion, the possibility of rates increasing, or decreasing was never mentioned. Also, to be clear, I have not yet made ANY claims. I highly recommend that you shop around, and choose someone other than Trupanion. I am going to shop around now.

When I bought my kittens, I received 30 free days off Trupanion coverage. So far, I'm horrified by then. When I took my kitties in for their first Well Check, I knew it wouldn't be covered, as per their policy. But when they both developed sniffles, I figured the visits would go toward their deductible. Turns out, only their medication counted toward the deductible. The visit itself (the majority of the book) is excluded, as they don't cover your pet actually being seen. I'm not sure how they expect me to have my pets seen, diagnosed, and prescribed medication without actually having them examined.

My dog was diagnosed with pancreatitis. He had all the signs and symptoms after ingesting a bite of fatty food. During all this, I signed up for Trupanion Pet Insurance -- since it was advertised everywhere in the vet's office -- in case anything further came up in the future that was unrelated since that would now be considered pre-existing, which is understandable. I signed up for their 30 day free trial. Well, something did actually come up unrelated. Within a week, after being on the mend and acting like himself again, he began to feel unwell, but this time with a round of totally different symptoms. I took him to the ER and he was diagnosed with anemia and neoplasia.

Long and short of it I have been paying out $70 a month for 3 years. I ran into a situation where my dog had 3 tumors. One of which was biopsied Round cell and the Vet advised that I have them removed because my dog could have Cancer. I called and every time you call to speak with insurance you speak to someone different. None of their employees have extension numbers and their automated emails come back constantly. Finding a human on the other end to help you is nearly impossible. I spoke with two supervisors and 5 different reps for the company. All of them acted all kind and said the claim would be pre approved and would go through. Well it did not.

This company was recommended by my former Vet All Pet's in Nashua, NH. and if there is absolutely any mention of anything in your pets record before you sign up it will not be covered. My vet told me about a year back or so to make sure you brush your dog's teeth because she could get gum disease. Well they put in my record that my dog had level one gum disease so when I came back with a request of course I was denied coverage. So I went to cancel this policy and they offered me a "Paw Print" or whatever they call it where do a complete history on your dog to see if there is any other issues that may not be covered in the future and this was free of charge so I agreed.

Absolutely disappointed with this company. The purpose of insurance is to help the animal with any health concerns. Trupanion declined my first and only claim. Please explain to me why I pay so much for my pet's insurance, if you don’t do your part. Save yourself the money. Not worth it. Customer service is clueless on how to answer questions and properly deal with concerned animal lovers. This is a money pit. You’ll pay and receive nothing in return.

Trupanion was there for my dog from the start. Unfortunately, my dog developed severe allergies at the very young age of 1 years old. After meeting my deductible, Trupanion paid 90% (minus the exam fees, which I knew wasn't covered) of ALL cost associated with his condition for the next 4 years. These cost included treatment by family vet as well as allergy specialists, ALL treatments, ALL medications, ALL Skin shampoos, ALL testing, ALL hospital stays. I couldn't have given my dog the care he had if it wasn't for Trupanion. I am truly appreciative of the service they provided from the wonderful customer representatives to the payout of claims. I have a peace of mind knowing that if my other dog should ever have the need for treatment of any kind, Trupanion will be there for me and him.

If you are looking to insure your pet, stay away from TRUPANION. They deny coverage EVERY SINGLE TIME. They do not care about animals - they care about money. Save yourself the grief and find an insurer that TRUly cares about your comPANION. Predatory company out to make a buck off your heartfelt concern for your pet's health.

My advice to you is stay away from Trupanion... I have been paying into them since 2014, I made no claims. When I first got the insurance there was a 3 month waiting period and they asked for all the records available on my little dog, I provided them all of the records... In December my Therapy Dog was hospitalized for seizures due to tick meds and rabies shot, I paid the hospital and put in for the payment of the hospitalization, it took them forever to pay AND THEY REQUESTED ALL THE SAME RECORDS AGAIN.

Terrible experience with this company. Incredibly devastated. I have paid them for years under the guise that they would cover my dog. Well when the time came- they denied all claims and stated "Sorry we changed our policy now and you should have read the small print." PLEASE BE AWARE- THIS COMPANY IS A SCAM- VERY SAD.

After getting my pet at a shelter I received a voucher for a free month of insurance with this company on August 18th. I "activated" his voucher for the free coverage (yet I never received an email or anything of the sort with a policy number). Fast forward to August 25th, I took him into the vet for an unexpected visit to have his eye looked at. I paid out of pocket due to not receiving a policy number from them from the voucher I "activated". I "officially" enrolled him with Trupanion about on the 29th of August.

First of all there's only one hospital that accepts Trupanion Express which they don't tell you about unless you ask. And that hospital is the worst. Big surprise... they say no to everything... to them everything's a pre-existing condition. Well I know my dog and it's not it's the veterinarians that don't know what the hell they're doing or saying veterinarians are worse than Trupanion. All they do is rise prices and ruin your dog. I'm suing 3 vet and Trupanion might be the fourth lawsuit. Anyone in?

Do not insure with these people. Expensive - but they deny every claim. They will look for any little loophole or hyper technical reading of the policy, in order to deny the claim. Sometimes, they will grant the claim and apply it to the deductible, then once you exceed the deductible, they will deny the claim for the very same condition. I have an entire stack of denials, most all of them inconsistent. They then make you go through an Appeals process, which is just a front for another "sorry, denied" email.

I signed up for Trupanion after my dog was diagnosed with giardia. Turns out a side effect of giardia is diarrhea. I take him to the vet, get him treated and the vet prescribes him meds. (No coverage!) but Diarrhea is gone. 2 months later, my dog eats a dead bird. He gets a really bad upset tummy for a whole week. I take him to the vet for the diarrhea, and what do you know! Trupanion now claims any diarrhea is somehow related to the giardia. Coverage denied!

I'm a believer in insurance as a method of sharing genuine risks across many people. Providing abuse is kept under control, insurance works. I am, however, very disappointed with Trupanion. My dog ate rat poison from a neighbor's yard and we rushed him to hospital. My Trupanion file says the claim was "accepted." Hooray. But does that mean they fulfilled their role of shared risk? No. They paid nothing because more than half the money I paid the hospital was determined to be an "examination." The other half was the deductible. The deductible I have no issue with (part of the shared risk I'm prepared to accept). But the "examination"? I brought my dog to the pet's equivalent of an emergency room.

I have 18 months of policy coverage for my dog, in good standing. Then she had a cancer diagnosis with $2400 in treatment. My policy has $1000 deductible and 10% co-pay. Trupanion adjusters reimbursed me just $670. Where's the rest? Turns out one can interpret "treatment" and "examination" in whichever way suits the company. "Examinations" are excluded from the policy. So unless your vet line items separately things like: "massaged exterior of tumor to diagnose size," and "restrained dog in calm position to perform lab sampling" etc... then Trupanion insists all of those actions are part of an "examination" which has nothing to do with treating your pet's condition.

Purchased pet insurance in June for my dog. In August my dog had watery eye. I bought over the counter pet eye drops for the dog. Which is 60 days after I purchase insurance. The eye drops worked for about a week. Next week she started scratching her eye a lot. I took her to the vet on 8/30. Vet gave me eye creams for dog see if they worked. 9-6 went back for recheck. He said eye not getting better. Had me schedule another appointment on 9-16. At that time he said she needs surgery asap. She has developed an ulcer cornea.

I had both of my dogs insured through Trupanion for 2 years at over $120/month. Every single time I filed a claim they replied with a denial of coverage going so far as to cite completely irrelevant prior diagnosis. Upon being informed that the current condition being filed for in the claim was not "pre-existing" I was constantly informed that the appeals process was "lengthy and complex and could take over 6 weeks"... Oh, but when you cancel your policy(s) they make that process super easy, leads me to believe it happens all-too-often. If I could give them "negative stars" I would. Terrible. Fail.

I received a free month trial of this company's policy when I rescued my dog. On the day I rescued him he was in an accident and I didn't find out until $2,000 later that the policy doesn't cover anything until the day AFTER it's activated. Nothing in any of the material they made available said this. I searched high and low for a document outlining actual coverage and exceptions and I could never find one. I was never sent one and it was not available on their website. Not only do they not cover anything on the day you create your policy, but I also discovered they do not cover exams (a very huge thing to not cover!), X-rays, administrative fees, and a lot of very basic things that I would expect insurance to cover.

We've called Trupanion customer service numerous times and have always been delighted with their responses. Outstanding customer service representatives who are knowledgeable, helpful and caring! One of the best companies out there in our opinion! Have always treated us with utmost respect and always solved any issues we've come across! Highly recommend Trupanion insurance. They're a caring company and we've always had an all-around great experience dealing with them! Highly recommend for your pet insurance needs!

The claims department is very responsive, caring, interested in making claims as easy and less work for the customer as possible. Give them the information and they will deal with the Vet directly. There is no back and forth.

The representative was very compassionate about my dog Rudy recent diagnosis of Leukemia. She was very informative about company policy for illnesses and diseases. Professionalism and compassion for clients goes a long way for business.

Please do not use this company!! It's a scam. They will just take your money and run. Ex 1. After 10 years at the same rate and NEVER using it, my dog finally had a few issues I got reimburse for. Immediately after, the company TRIPLED my rate. I should have canceled then but I hung on because he was getting older. Ex 2. My 13.5 year old has TERRIFIC teeth. He's only ever had mild tartar. He has a bone infection right now that might require surgery. The vet listed either a possible bone infection related to the one he had earlier this year in his head, OR possible root abscess. They would not cover it because NINE years ago, he had mild tartar in his record. NINE YEARS AGO!!! Are you kidding me? Don't trust this company!!!

Trupanion kept charging my credit card even after I canceled the policy AND changed my credit card number. They have a clause in all the fine print that says they can request your new card information from your cc company AND get it!! It’s outrageous! I had a policy for years and NEVER used it, then they took me for an additional $400 after I canceled. Do not use this company! I can only imagine how terrible they would be if you had a claim. I’m sure what this company lacks in character they make up for with deep pockets. Stay away from them!

I've had insurance for my 4-year-old dog for about 2 years now (Omega General type insurance). Every time I've called customer service, I've received nothing but kind and helpful reps and overall amazing service. I even received a call back once to check how my dog was after an accident. My dog recently developed some unknown skin condition. I have the peace of mind that Trupanion will cover expenses related to this for the rest of his life if it becomes an ongoing issue.

I purchased this insurance right after I adopted my rescue dog. I purchased it literally after her first vet visit. I had a few vet visits after that for gastroenteritis that Trupanion covered, however now they claim it’s a pre-existing condition. My dog’s first vet visit, right after rescuing her, it was documented that she had loose stool as a result of changing her food. Now, any visit where my dog had loose stools, Trupanion will refuse to reimburse. They went as far as to tell me that the visits that were covered for the gastroenteritis, were covered on behalf of the company's mistake. There are many ailments where loose stools/diarrhea is a symptom. So it’s basically their excuse to not cover anything.

I have had a few uses for this insurance. Trupanion is the best when it come to pet insurance. I never have had any problems with any claims I have made. Great service and a pleasure to talk to. Reimbursements are fast with no issues at all. If you wish to buy pet insurance then these are the people to purchase from. Thank you so much all at Trupanion!!!

Trupanion staff are friendly and helpful. They care and want to give my pets the best benefits possible. I appreciate knowing about all that is available and having the option to choose what is best for my needs and the needs of my pets.

We've had Trupanion for less than 2 years and they are very sweet on the phone... But don't let the sweet, caring customer service people fool you. Unfortunately, I have a sick dog... I didn't know it when I signed up for insurance with Trupanion and they didn't know it. They are a typical insurance company - they have no problem taking money from me every month, however any substantial claim that I make, they deny, I fight it...usually I lose. Very disappointed.

Trupanion has been so great to myself and my dog. I have been able to treat my dog with Radiation and Chemotherapy with minimal cost to me. Along with his every 6 months cancer recheck appts; which may include ultrasound and blood work.

We bought a policy for our dog the day we brought him home at 8 weeks. I wasn't sure we needed the added expense, but I really wanted the peace of mind. The first time we needed to use it he was 11 months old and needed shoulder surgery. They covered a 6k medical bill at 90%, paid promptly and called to check up on Jaxson several times. Jaxson is now 7 years old and they've seen us through several minor medical journeys. They always process the bills quickly - payments now direct deposit to my account - and have the best customer service. Anyone considering owning a pet shouldn't think twice about signing up with Trupanion.

I have had very prompt and good service with Trupanion. The payments are paid in very short time after claim was sent in. Never an argument about what is covered. Always friendly! Ability to phone them 24/7. I would highly recommend Trupanion.

I have always found Trupanion to have excellent service, which is why I have always insured my pets with them. My call with Cheryl yesterday was as great as ever. She was empathetic and thoughtful, and she gave me the information I needed—and offered additional flexibility that in this case I didn't—to help me make the best decision about my pet's care. (I do wish they would cover emergency room fees, but that's my only real complaint...)

Trupanion has helped me several times in the past by reimbursing me for the medical care of my cats. Claims are very easy to submit, and processed in a timely way. I have had this coverage for the last 7 years and am very satisfied.

We have had pets our whole life and the majority have had pretty serious health issues. We all know how expensive that can be for pet parents. Well we were blessed with a puppy this past October and we knew immediately that we would get pet insurance for her. I did a lot of research and we decided on Trupanion for our Border Collie (Penny). I really liked what I read about them and if I’m going to be complaining honest, I had a good vibe or gut feeling about them.

Your dog is hit by a car. You take him to the emergency room, it's a covered injury and you have pet insurance. The deductible on your insurance is $100 and 90% paid. That's what you have been paying, so that's what you think is the coverage. WRONG. Trupanion won't cover the veterinarian to examine your dog. Your dog can't be treated without being examined. Then they won't cover the surgeon to review the Xrays. The surgeon can't operate on your dog without reviewing the Xrays. So the $100 deductible was NEVER going to be the deductible because many of the services REQUIRED to treat your pet aren't covered by the insurance. And Trupanion not being a reputable company, they don't disclose this when you sign up and pay the expensive premiums. It's in the fine print most of us don't read. Read the other negative reviews before signing up for Trupanion, I sure wish I had read them.

Our cat is prone to upper respiratory infections. Our vet wanted to do some testing to rule out any illnesses that cause these infections. She said that it's perfectly plausible that she's perfectly healthy and simply prone to URIs because of her breed (she's a mixed rescue and we don't know exactly what kind of breeds are "in her", so it's reasonable to believe that she's simply got a breed that is prone to breathing issues) but she wanted to do some testing to make sure there wasn't anything wrong with her.

I’ve had my pets insured with Trupanion for a dozen years and have had great experiences. It’s bad enough when you have something serious happen with a pet. Trupanion made the claim process simple (online or direct pay vet) and paid REALLY fast! My emergency vet was the one that told me about them first. Sign your pet up as soon as possible. The younger they are, the less you pay. The premiums will remain low. I have 3 pets insured, $100 ded and my premiums are under $140 total and one pet is 13. Also, they have fantastic support! Cannot say enough good things.

My experience with Trupanion has been awesome. They have always helped me to keep my dog in good health and they have excellent customer service. They have financially helped me through the coverage of major illnesses. They have been a real blessing. I would recommend this company to anyone who loves their pet like family.

Trupanion was a lifesaver. When both my dogs had some serious medical issues at the same time, I had over $10,000 in vet bills - Trupanion paid most of it. I was able to take care of them without worrying about running up the credit card. Their site is easy to use, and the customer service is excellent if you have a question or problem. Claims are paid quickly. Whenever a friend gets a new furbaby - I recommend them signing up right away. Pre-existing conditions aren't covered, so sign up before you have any!

I agree this insurance is HORRIBLE. DO NOT GET IT. I am paying 250 per month for the dog and they declined more than half the problems with my dog. More important they claim the dog had a pre-existing condition 18 month prior to obtaining a policy with them. My dog wasn't born 18 months prior to obtaining policy. I hired the best animal litigation lawyer could find and she's in the process of suing them. It's not worth the headache dealing with Trupanion!

I was truly grateful for your compassion during a most difficult time. Your staff took the time to talk to me, and made me very comfortable. They are all very caring individuals, and it was truly a pleasure working with you. I will definitely use you again, hopefully in the near future, and will tell everyone I know about your great staff.

I have had Trupanion pet insurance for over 10 years. They offer many choices to choose from to help take care of my fur babies. I have had many occasions to use my insurance and they have always come through. Most recently, my emergency bill was quite large. The claim was sent, reviewed and I was reimbursed quickly. Even the follow-up visit reimbursement is quick. In addition, several of the staff even sent a get well card to my pup - I was impressed with their kindness. I would recommend highly this company when choosing insurance for your fur family member!

I’ve been with them for several years and fortunately not had to file a claim. I have however had a couple reasons to call with questions. They are great! You get a person quickly. They are kind, compassionate, interested in your pets and knowledgeable.

We've had a policy for our pup through Trupanion for the past 3 years. During this time, we've never received anything short of extraordinary service by their staff. It's extremely easy to get someone on the phone and everyone we've spoken with has always been professional, helpful and super friendly. They are quick to process claims and they just make the entire process seem so easy. The cost is also completely reasonable and has already paid off big time with our rowdy dog - one of the best decisions we've made as pet owners for sure!

The call was good and she did a great job. But the plan is too expensive, is not easy to place a claim and the process takes time. I had too many problems for Claims and Records email to receive and open the files I sent. McKinna was the one that got it all through. And still the department placed part of the claim under my other dog. It's messy.

I have had Trupanion for several years and they have always been excellent in responding to my claims. The customer service agents are always knowledgeable and compassionate on the phone. It would have been a lot harder to care for my dogs if I didn't have Trupanion.

Trupanion provides a client centric service model, compassion, care and ability to relate to people as pet owners with exceptional consistency! You're going to read good and bad reviews. Here's something to consider... Not everyone understands how insurance works. Some people fail at reading and understanding the terms of their coverage. Some simply ignore or choose not to read or understand the terms. Some people try to defraud insurance companies. Insurance companies review medical records to verify compliance with their coverage terms. Insurance does not mean an owner is absolved of all financial responsibility for their pets care. Ask your insurance company how vet billing works and how it affects your coverage.

This is the absolute best of the best for pet insurance. Every single time I call I always get the help and knowledge to resolve any questions that I have. The representatives are OUTSTANDING!!! Never have I had any problems and they are so caring about my pets and their health. I can't say enough. And to top it off the claims are super fast every single time. I can hardly believe they are for real. But they are. I unconditional recommend them 110%!!! You will not be sorry to go enroll with them for your pet{s}. They really do treat them like family!

I have been a customer of Trupanion for several years. Filing claims is super easy and they are paid quickly. I always get someone on the phone without waiting. My latest call was to update some information. I spoke with Ines who was pleasant, helpful and very efficient. I highly recommend Trupanion to any pet owner. They help me take good care of my babies.

I don't get these reviews, I couldn't live without Trupanion. They have been so great through the dozens of claims I have had for different dogs. And yes, I have had a claim denied that I am currently appealing but it was a fair reason of a misunderstanding and Trupanion makes appeals super easy if the vet is willing to correct. Mostly though they have paid me right back for many surgeries, and illnesses by older dogs developed. Get the insurance right away when your pup is young so it is cheaper. Vets are out of control with their prices! You go in for a simple procedure and they want to do every test possible so it is thousands. A surgery can cost on average 5k-20k. It is a huge peace of mind to know Trupanion has your back.

We have had Trupanion Pet Insurance for our dogs and cats for 8 years now. While we haven't used pet insurance from other companies, Trupanion has been excellent. They respond promptly, they are true to their policy, and they reimburse very quickly. We have had unusually complicated and expensive health problems in our two dogs this past year - very expensive - and Trupanion paid 90% of the covered charges. Basically, those were all but the exam charges. We have saved many thousands of dollars with Trupanion. The best thing is to buy it when the pet is very young, so that no health issues that arise become "pre-existing" conditions. I recommend Trupanion to all my pet owning friends.

Anything can happen to our four-legged family members at any time, and my past experience has been it is usually at the worst timing. Trupanion gives me peace of mind to know that my fur baby will be taken care of 24/7 and even at the worst timing. Also, Trupanion's customer service is the best!

When I first signed up for Trupanion for my two dogs, their policy stated that insurance premiums would never go up more than 20%. In the last few years they have raised our premium almost 25% each year even though we have been with them for 5 years and haven't been making huge claims. In fact, we never go over how much we pay them every year. On their website, they state "Trupanion is one of the only pet health insurance plans that does not have automatic rate increases as your pet ages - some companies have guaranteed annual increases of up to 18%!" THIS IS A LIE! They raise it more than other insurance companies.

Trupanion's customer service is impeccable. There is no long menu to wade through - speaking to an understandable, very knowledgeable representative is a simple to do. Questions are answered succinctly and compassionately. I have two dogs who I have had to file claims for and I have never had an insurance company process claims so quickly. There is no second guessing the veterinary hospital; they follow the guidelines of your policy and the payment is quickly made. My only complaint - that I have yet to find a people insurance company that worked so efficiently and kindly!

From the moment I called to inquire about insurance for my puppy, the staff has been phenomenal. The guidance and support was greatly appreciated. I never thought I would be facing a crisis with my pup, however, it happened. The support from Trupanion has been beyond amazing. I have nothing but praise and gratitude for the assistance I have received. I recommend them highly to friends and neighbors. I don't know what I would have done without them. I personally will never own a pet without Trupanion.

My experience with Trupanion has been quite different from many of the reviewers on this site. We got insurance for our dog when he was just a few months old. He's now almost 7 years old. Our deductible per condition is $200, with Trupanion paying 90% of care costs after the deductible is met, and our monthly premium is ~$45.

Horrible experience. Nothing that was ever submitted was covered. Outrageous deductibles, monthly cost is more than my personal health insurance with deductibles that are more than most vet visit and treatment. This company exploits people that take their pet's health seriously. DO NOT FALL PREY TO THIS MONEY GRUBBING SCAM!!

I saw some of these reviews and I don’t understand how some people could have had such a bad experience. I have had nothing but good experiences with them and I’ve had them for almost 9 years. I pay about $50 a month to include both of my dogs, the policy was bought when they were tiny puppies. Let me tell you, there were times I thought about canceling esp when I hit money trouble a few years ago for 3 or 4 years, but I never did. Why? Because when my Maggie was little I got her insured and less than a year later, she was diagnosed with entropion and so even though I’d only paid in about $500 at that point, they fully reimbursed me (at their 90% terms) about $1700 with NO trouble. Then, for many years, I didn’t have to claim against my policy.

I decided to leave Trupanion because, like others have said, I did the math. When I called to cancel, they offered a lower rate which is nice, but I declined. The person I spoke with then used guilt and high pressure tactics to try to convince me to stay. I politely and firmly said no. I do not mind doing this once, but having to repeatedly say no and his very judgmental tone was excessive. I told him it was a financial decision and not an emotional one, since he was clearly playing on my emotions.

I am over the moon with Trupanion, it saved my little Cookie this past year. I don’t know what I would have done without it. She had two back to back TPLO surgeries for injuries to her CCL on both legs, she wasn’t able to walk. They paid 90% of her 15k bills minus my deductible. Years ago after a very expensive surgery for one of my other dogs, I began researching pet insurance. Out of all the options, I found Trupanion to be the best. I will never be without this insurance. People have to understand preexisting conditions. One of my dogs has a heart condition that was diagnosed prior to my getting Trupanion, it’s simple, that’s a preexisting condition.

DO NOT give this company your hard earned money. They find any and every reason not to pay claims. They will go back to records from when your dog was a puppy and claim pre existing conditions. If your vet runs any tests to rule out a condition and notes that they think it could be something and your pet tests negative or never develops the condition, they used that as pre existing and refuse to pay. Cancelled my policy on my 2 dogs. Could have used that money to pay the vet directly. They guys are CON ARTISTS, just living large on your dime. RUN from this company.

We bought Trupanion Pet Insurance for our first rescue Dachshund several years ago. Soon after acquiring her, we began to suspect that she was deaf which was confirmed by a specialist. We submitted a claim for the tests and they were denied as a pre-existing condition. At the time we went along with the declination because it was clear that unbeknownst to us, she had been deaf when we acquired her. We acquired a second rescue Dachshund in the very last stages of being cured of heart worms in September 2017. We covered her under our Trupanion policy in mid October. On October 31 she appeared nauseated and we took her to our vet who gave her a shot for nausea. That reoccurred a number of times over several months. During that time she was placed on special diets and the vet made notes about several possible diagnoses she was concerned about.

Do not give these thieves your money. They will not cover anything, they will look at any reason not to cover your pet. They will sit there and just collect monthly fees until you realize they are ripping you off. Just pay out of the pocket for your pet.

This is my honest review and please read till the end! I actually had a great experience with Trupanion. My premiums did go up, so I decided to stick with a higher deductible ($1000). In September of last year my dog started getting really lethargic, so I brought him to the local hospital where they said he had Pancreatitis. He stayed 2 nights and the bill was roughly $800. From there he wasn't getting better, so I drove him up to a larger clinic where my friend works and who I trust dearly. There they did numerous tests and had him there for about a week and still no progress or diagnosis.

We had pet insurance for our 3 dogs for 4 years total. Our premiums went from about $1226.00 per year to about $2086.00 after 4 years. We paid to the vet and the insurance premiums in that time just over $14,410.37 in total. We got back $ 4,145.07 from Trupanion. Plus they wanted to increase our premiums. You do the math. You're better off putting and keeping the insurance premium money aside and pay out the vet yourself and SAVE $$$$. I finally figured out why the premiums are high and the payout is low. The Trupanion executives needs another vacation home in the tropics to go with their 5 high end cars.

Hiding behind pre-existing conditions - We got this insurance for our French Bulldog puppy, paying high premiums due to common problems with the breed. We were denied claims because the dog had thrown up and didn't eat 6 months prior!! In another case they denied a claim for soft palate surgery due to another BCS symptom. Two appeals later they still refuse to cover anything. DO NOT GET THIS INSURANCE. #There should be ZERO stars!!

We have had Trupanion Pet Insurance for about 6 years for our Pomeranian. With all the times that we have taken her for one incident or another, we were unable to meet the $500 deductible they said we need to meet and believe me we had various times that needed to take her to the Vet. The kicker was last Thursday when we took her in for what apparently was a urinary infection which we paid $255 for 3 test and medicine. When we contacted Trupanion they of course that because this is a new medical that we had to start another $500 for this issue. I believe Trupanion is a scam and the Vets are part of it because they offer this at the Vet that you take your animal to.

We purchased Trupanion Pet Insurance after my puppy’s very first visit to his Vet on June 2017. After a couple of months we noticed him limping while walking. We brought him back to see the vet in Sept 2017. X-rays were done and the results showed that he was diagnosed with bilateral ankle dysplasia and needed surgery. Assured by our Vet that insurance would cover the expense, we went ahead with surgery only to find it WAS NOT COVERED. After contacting Trupanion they informed me that due to my Vet’s medical notes about my dog seen on Sept. 2017 stating “limping for ‘several’ months” that this was a pre-existing condition and therefore did not meet their policy of coverage. His Vet wrote a letter to appeal and had called personally and spoke with Christin in the Appeal Dept. informing them that it was her mistake and sent all other exams indicating no existing of limping.

We purchased Trupanion insurance for our 2 year old small dog after we paid out of pocket for surgery for a luxated patella. We knew that anything related to his knee would never be covered because it is a preexisting condition. The dog became ill a couple of months ago, sick, throwing up and lethargic. We thought he might have eaten something and had a blockage. Several tests were run and nothing appeared definitive.

They have never approved any claim we have submitted because of technicalities or wording in the vet's notes. They say there wasn't a time that they had to wait for the pet to be covered. That's a lie. They say they care about the pet and don't want to see families have to put down or give up their pets because of medical bills. That's a lie. They care about money. That's all. They are no different than any other insurance company for humans. Out to make a dollar off the backs of your loved ones. Save yourself the trouble. Set up a crowdfunding site if your animal gets sick. These people are a hot dumpster fire.

THEY DID NOT REFUND AFTER ONLY 24 HOURS. STAY AWAY. TERRIBLE TERRIBLE TERRIBLE. DO not go near them. They take your money and will not refund you after lying to you. I was told that I was under a 30 day trial period and I was lied to when I signed up and they did not refund the 35$ set up fee and gave me an excuse that it’s NY state law without actually pointing me to the right place where I can understand why. Try Healthy Paws. Much better.

This particular pet insurance is significantly more expensive than others. When I decided to sign up my new puppies they justified their inflated premiums to me by stating they cover more, ease of filing claims and most importantly that just about everything is covered at 90%. This is extremely false. They also told me as they were taking my money that my puppies would have coverage once payment was received. They took my payment immediately and it was processed over the phone. I signed my two puppies up for what I thought would be superior coverage on 11/16. Have been a great customer diligently paying my highly inflated premiums. Never used the insurance or filed a claim until 2/18 when one of my puppies needed medical care. The claim was for $1K approximately. I was misled by this company as I was that once my $200 deductible was met coverage would be at 90%. Not true!

We just brought our rescue dog in for his first visit. This insurance was pushed on us, we said no, but they still included it on our bill as a "30 Day Trupanion Trial." Then the email automatically sent pressures you to sign on within 24 hours or lose the free trial. So we looked at the pamphlet and website. When you sign on THEY DO NOT COVER ANYTHING FOR 30 DAYS STATING IF YOU NEED TO BE SEEN IT MUST HAVE BEEN "PRE-EXISTING CONDITION(S)!" So there is no free 30 day trial! Look at the reviews - 1 (out of 5) given over and over as the company denies every claim as 'pre-existing'. This company is a scam artist. The worst kind of insurance fraud. Do not give them any money!

Let me begin how this company works. First they collect your money every month for $80.00. HOWEVER, THEY DO NOT PROVIDE ANY MAJOR COVERAGE WHAT SO EVER. Let me begin my case. I had to get dental cleaning done for my dog which is a routine work at Banfield Hospital. Unfortunately, my dog was not able to have this procedure to take place due to abnormal blood work (thrombocytopenia). Which was also recognized procedure by Trupanion on 6/28/17. My situation was not because of negligence. It was the prognosis of the blood work.

I have found that on the whole if they pay a claim they remove most of the charges for one reason or another. They even consider a specialist's consult and office visit. They look for a needle in the haystack to deny allowing a claim or paying very little. My feeling is they lied to me to get me to switch making me believe they would cover the claims so much better than my previous insurance company. They made it seem worth their unlimited coverage & willingness to pay most claims to pay them twice as much monthly. I am now trapped. I gave up a lot of pre-existing conditions to move two dogs to their program. They then doubled their monthly fees. I am paying over $200 a month for 2 dogs and getting very little. My next dogs will NOT be under Trupanion.

My 17 year old dog was diagnosed with pheochromocytoma, Trupanion gave me the peace of mind. The Trupanion staff was compassionate, understanding and the claims were paid in a timely manner. I highly recommend this company.

Trupanion never paid a penny for my dog. They interpreted "allergy" from "dirty ears" and ongoing ear infection, which is the reason that they won't cover the actual diagnosed allergy this time. It is as if they go out of their way to avoid paying. Out of 10 claims I have submitted, none got approved. My vet helped me appeal two claims because even the hospitals felt the insurance was being unfair. Appealing worked, but it certainly did not prevent Trupanion to call it an "isolated appeal" that does not mean anything to future related claims.

We had major surgery done to our Boxer. She had her spleen removed and we were told it would be covered. However in the meantime they revised their policy and never told us so they denied the claim. They told us after our other dog had a ACL tear in his back leg. As long as it was not the same leg it would be covered, so because of them not covering the surgery for the spleen we ask them if our other dog would be covered if he tore his ACL in the other leg (not that she did. We just wanted to know how much they revised). They said no because even if it's the other leg it's an ongoing issue. They are a rip off, WE RECORDED WHAT THE MAN TOLD US WHEN WE GOT THE INSURANCE and he said any ongoing thing that the dogs have before we got the insurance as long as it was not in the same spot or has nothing to do with what they have now will be covered. That was a lie. They do not cover it.

Read the terms clearly and try to understand the purpose of this insurance: It is to avoid paying coverage for situations that are reasonably expected could occur. Trupanion provides coverage for pet boarding IF you are hospitalized for more than 4 days. I had hip replacement surgery five days ago and came home for recuperation two days after surgery. Trupanion would not cover my pet boarding because it was not more than 4 days' hospitalization. These days, patients and hospitals make every effort to get a patient home as soon as possible. THIS IS NOT THE SET OF TERMS A DECENT INSURANCE PLAN WOULD COVER AND FOR WHICH I PAY $88.00 PER M0NTH. Trupanion, don't represent this as the coverage it isn't. It looks like you discovered that statistics show most hospitalizations are 3 days or fewer and so your chance of having to pay out are essentially nil.

I wish I read these reviews before I purchased. They are terrible, they spend your money sending reps to market the insurance at vet offices to sell their scam insurance vs. paying claims. They offer big promotions AFTER the first vet visit, in fact I called to join prior to seeing a vet and was told the deductible is way less "on a promo" after the vet visit - this is because they don't pay a penny on anything AFTER the vet visit because they label it pre-existing. Don't even mention a concern to your vet and or have them document as it will be pre-existing. Stay as far away from this insurance as you can get!

Yet another unhappy consumer. My dog was diagnosed with Hypothyroidism last month and my vet stated this is a new condition. Trupanion turned it down stating this was connected to his skin issues and was pre-existing. They have a clear pattern of trying not to cover new conditions. I sell health insurance so I understand the system. Paid them $104/month for my 2 dogs for past 6 months. Diagnosis made after I suggested they test his thyroid in November. Trupanion won't pay. Have contacted my Vet to suggest they not recommend this company anymore.

I had several claims due to a vet that didn't know what they were doing for something as simple as a hot spot last Spring. They never covered anything and after 5 vet visits, paid out only about 40.00. I have since found a much more reasonable insurance (Pet's Best) that does cover exam fees and are much more customer friendly! I finally got Trupanion canceled after numerous emails and a phone call where I was pressured into reconsideration which ultimately still led to cancellation.

Pet insurance failed to pay for an accident our dog had when the insurance company clearly should have covered the accident. They stated It was an illness and not an accident when the vet clearly stated It was accident related. Very disappointed and we cancelled insurance. We also let our vet know and they will no longer be recommending this company for pet insurance.

I bought a policy for my 12 week old Shih Tzu, after a year of paying for this policy, I submitted a claim. My Shih Tzu had 2 herniated discs. I chose this policy because it covered X-rays. Well the claim was denied because they wanted all Drs. notes, which were also submitted. They also denied examine fees, X-rays, medications. I was able to reopen my claim, which they denied as well, for same reasons. I don't know what else my veterinarian can submit to them. Trupanion is a scam!! After all this, they increased the policy rate, and never paid a dime towards my dog's bill. Beware!!! They won't receive another dime from me.

We purchased Trupanion 2 years ago for our 3 month old mixed breed dogs. We have yet to submit a claim that hasn't been rejected due to "pre-existing condition." THEY WERE PUPPIES WHEN WE PURCHASED THIS CRAPPY INSURANCE! How can there be pre-existing conditions? ALSO, when we started, our bill was ~ $90 a month (for both). Now it's $160 a month!!! We're finally done being scammed by this ridiculous company. I just called to cancel and apparently calling is not enough. You have to cancel in writing. WTF? I can call and cancel my car insurance, my health insurance, my house insurance with it not being required in writing. What a frickin SCAM!

Hi my name is Luis. We have a beautiful 2 year old black lab named Bella. We just found out 4 weeks ago that she is in need of a tore cruciate back hind leg surgery ASAP. Now my son Christopher and I purchased Trupanion pet insurance approx 9 months ago. Now Trupanion refuses to pay for her surgery saying that it is a pre-existing condition. SMH what how I just found out 4 weeks ago!!! But now Trupanion say oh because I've taken her to the vet for a small limp in the past since she's a hyper baby and was on Novax they claim it was a sign and symptom. What? But her doctor never ever diagnosed her. In fact she's never had an X-ray or anything so how is that pre-existing Trupanion?

I've been with them for two years now, and they never cover anything. Everything is pre-existing to them, even when the situation is different. My dog ate part of a toy a couple of years ago, and we took him to the vet to have it regurgitated. Recently, he wasn't acting right and it turns out, he had somehow found an old toy, ate the squeaker and had to have a scope to remove it. They call it a pre-existing condition. My other dog had sprained a disk playing a while back and recently, when he was moving slow, we took him to the vet and though the vet said that wasn't his issue this time, they still denied the claim on a pre-existing condition. I've spent so much money on this service with no reimbursement. It has been a complete waste to me. To them, this is just a way to take advantage of vulnerable homeowners. They should be ashamed of themselves.

I have been paying 150 per month for years. I have never once been reimbursed for a claim. The very first claim near 1000 dollars they continue to request more and more information. This is absolutely ridiculous. Luckily we are fortunate to afford paying for the health of our animal but for anyone else these guys would rather their customers’ animals die than help them in a timely matter. I believe my problem is not unique and encourage everyone to stay away.

I got Trupanion about six years ago when we first adopted our dog. We picked Trupanion because they came recommended by the SPCA. For years I was paying about $50/month, doubting my decision. Our dog fell ill with congestive heart failure about 1.5 years ago. While he ultimately passed, Trupanion covered nearly $10k in his medical bills over that time. Trupanion was a huge relief, allowing for peace of mind as the condition deteriorated and required more frequent and costly vet visits. I highly recommend Trupanion, and will definitely use them when we're ready for another pet.

I have two pet insurance, one for maintenance with Banfield and the other one for Accidents, Disease, etc. My Banfield vet referred us to an Eye Specialists as the condition of my pet is not covered under the maintenance plan so we went to an eye specialists. Paid out of our pocket and then filed a claim to Trupanion. For Trupanion's convenience I've emailed the Banfield medical records as well as the receipt for the eye specialists in 08/28/17.

I have been dealing with Trupanion for MANY YEARS, and had my dog insured after having them do a full underwriting on past conditions she would be ineligible for. So I still pay thousands a year out of pocket for my dog's vet care. So long story short my dog came down with the autoimmune disease - immune mediated thrombocytopenia which they are trying to write off as a skin condition.

I have been paying for Trupanion for years, filed a claim and it was denied within less than 24 hours saying it was pre-existing condition. I spoke with three vets to determine if possibly I was filing a claim wrongfully. Was advised that the situation was different and should be covered by Trupanion. Trupanion reached out to all my vets but still determined it was not a claim they could cover. Which the appeal took a few weeks with me having to call for updates.

Trupanion has been absolutely amazing!!! I have had another pet insurance in the past and they never covered at 90% or paid the hospital directly. That is huge plus if you don't have the funds immediately. I decided to get pet insurance on my puppy who is now three. I wanted to make sure he was covered and I'm so thankful I did. He has chronic allergies, ate a sock, and now cracked a tooth. These are all things I didn't know would happen when I got him.

I had purchased a new puppy. Took him to the vet one day after taking possession of the dog for a full physical examination (as required by

I was told that my Vet had this great special for a petcare plan. As a bonus it came with pet insurance with Trupanion. I was told that all pre-existing conditions were waived to get the insurance. I thought it sounded like a great deal, but it was a scam. My 10 year old dog had been denied previously for pet insurance with Trupanion. She had slightly elevated liver enzymes. My vet assured me that it was just how her body was and we would watch it. So for more than 5 years nothing changed. But then one night she started having seizures. I took her to the vet and her liver enzymes were out of control. It was a sad and scary time. I was told it could be a brain tumor causing it, or liver cancer. Not once were any of those words used previously.

I've had Trupanion pet insurance for my Pug since he was just a little guy, still a puppy. He's now 3 years old and doing great, thankfully. The reason I thought it was important to leave a review for Trupanion at this time is that my company recently started offering Pet insurance (wow, what a great benefit!) through another provider that presented a very compelling presentation at my office last week. I know that of course price is always a compelling factor, it certainly was for me since my family has now grown to 3 dogs. So I started looking into it today, doing my comparison and looking at the total out of pocket, what's covered, etc, etc.

I was offered free enrollment during a visit with my vet for one of my fur babies Gracie. I called to gather information, did some research, called again and then decided to purchase a policy. First off the rep was working from home, told me Trupanion actually "looks for reasons to pay". He then went on to tell me about ** pills he and his wife use on their cats. I let him know I had 3 other babies, including my senior German Shep that I would be calling back to also enroll. He told me I shouldn't bother with my dog due to her age. What an unprofessional response.

I adopted my dog in October 2016. Within days I took him in for his first vet appointment. In December 2016, after much research I decided to purchase pet insurance for him since he was in good health and young at just 2 years, 2 months. I chose Trupanion. In January 2017, my dog started to get a skin rash. The vet called it dermatitis. My dog has had 3 appointments now in treatment for the dermatitis and now has a referral appointment to a vet specializing in dermatology. I had requested my regular vet to submit claims for the first 2 appointments.

After spending thousands in premiums, I finally put a claim in. It's been 3 months and they reached out to 2 different vets asking for my dog's lifetime of vet bills. This is a diversion to not pay. My dog was being tested for skin cancer - A condition he's never had. Before they pay on the claim they're looking for his entire medical history - So 3 months in - I haven't been reimbursed and they keep on looking for reasons to decline. Money better spent is to put the premium in a bank account and use that for vet bills. This is a big Ponzi scheme. You'll pay a lot of money only to realize that you'll get little reimbursement for your vet bills.

We were told that our pet qualified for Trupanion insurance by a Florida vet practice and we signed up for it. No waiting period and we could cancel in 30 days. After many tests, xrays and special food, the diagnosis was gastroenteritis. Yes insurance would cover some of it. We are now out $2000.00 after 2 denials from Trupanion. They have denials for everything. We were told that Trupanion had partnered with this vet practice and was excellent insurance to have. The whole thing is a scam to get pet owners to sign up. I wish there was a way to recover some of our money. Buyer beware of Trupanion. They are unsuitable as insurance carriers and DO NOT STAND FOR WHAT THEY CLAIM TO BE.

I've been with Trupanion for 4 years. Up until now, I've never had an issue. I have 2 policies. My cats have no health problems, I have had one small claim during my years as a customer. My premiums went up at a reasonable rate the last 3 years. Today however, I received an email, stating that my premiums would increase by 95%. Upon investigating further, I was given a multitude of unsatisfactory answers: 1) The advancements of medical technology in my area has increased (so much so in one year!) that it necessitated a 95% spike. 2) While Trupanion "locks in your pet at the age they signed up", the rates for that specific age may (without the customer service department knowing why) suddenly skyrocket (as I've come to learn, by as much as 95%!

I changed my a day after enrollment. Called the next day to cancel, was told another specialist had to cancel membership and that those specialists were all busy. I was told they'd call me back. I waited didn't get the call so I called back the same day, the next and a few days later. Never got a call from them and they remained unavailable. Finally on the 9th day, I called them again and got a hold of the special cancellation specialist. Got a email back confirming cancelling but stating that my refund was less than 100% within 30 days as I was told it would be in my policy. I actually only got back less than the monthly premium and no enrollment fee back.

Paid over $75 a month and when my dog had to get a mass removed from his chest and a tooth removed, I filed a claim. Nothing happened until I began to follow-up and they told me they never received the information from the Vet, which was a lie, since I saw the successful fax transmission receipt. The vet faxed and emailed two more times (which I witnessed) and yet Trupanion still said they did not get the information. They also told me that even if they accepted the claim I would get $100 for a $800 procedure. These people are nothing but con artists.

I have had Trupanion since 2010. In that time I have submitted claims for a knee surgery, teeth extractions, multiple mass removals, a foreign body (rock), cataracts, glaucoma and allergies. All of those conditions but the latter received coverage due to the allergies being a pre-existing condition. My Boston Terrier is scheduled for cataract surgery next month and she will be getting her vision back thanks to Trupanion!!! The estimate for the surgery is $3,000. We met the deductible 2 years ago so our part will be just 10%. The customer service is terrific. The bottom line is, without Trupanion I do not know what we would have done. We are well over $23,000 in claims. It has not just allowed us to have the surgery for her knee but opt for the overnight care, laser therapy and a $1,600 rehab package. Today she is a very healthy 11 year old who has a lot of life yet to live full of chasing balls and taking care of our family.

Trupanion claims that they pay 90% of medical costs? BS! My cat was rushed to the hospital and we had to put her down because she could not breathe. Trupanion told me that they will not pay for any of the cost because my cat has a "pre-existing" condition. Will someone please explain to me how is a sudden sickness is considered "pre-existing?" I was furious so I called and canceled my insurance with them. And now they are sorry for "the loss my cat". It makes me wonder if Trupanion really does care about animals because with the experience I went through, it's complete bull! Never ever ever do business with them! Save your time and money!

I've never been so absolutely disgusted with a company more than Trupanion. After paying through the nose for years, they decided to deny my claims for my dog's allergies. Years and years of bilking me because I put 3 pets on the policy and because my dog was diagnosed with a skin allergy for the first time ever THIS YEAR (2016). Had policy since 2011. They are saying he has a Pre Existing condition. They said his ear infections all 4 since 2009... that's all... for a dog... are considered "allergies" as well. Meanwhile they've been cleaning out my account consistently to the tune of 108.00 a month since 2011. This is complete fraud on their behalf. Do yourself a favor and DO NOT USE THIS COMPANY!!!

While I only had my kitten for a few months, the coverage offered was a very appealing deal. I would recommend this company and the cost of the insurance is low. They offer many different types of insurance so you find the coverage that's right for you and your pet. I wasn't offered any discounts, however I only purchased the base policy. If I would have bought a more expensive one I probably would have saved a great deal of money. I never had to file a claim. Nothing happened to my pet. But I'm sure that if I would have needed to file a claim it would've been a short waiting period.

It covered shots, sickness, spay and bit of important things my dog needed like checkups and such. It have me free meds and pest control of like fleas and ticks and heartworms. It was not as expensive as some of the other companies I looked around. It was actually pretty affordable. I would spend more if I paid my vet care. I did receive some discounts on the meds that keep my pet healthy look like vitamins meds for their skin and fur and also antibiotics. There are bits of discounts I haven't used yet but do intend to. It didn't take very long to get reimbursement, maybe a week at the most. I felt very comfortable in completion in filing my claims and I loved the people on the phone.

Great coverage for my pet and my pet's medications, also for the stay my pet had that lasted a week. I was very happy I had the coverage. It allowed me to save my puppy. As with any costs of anything it's sometimes hard to see the advantages but it is reasonable and makes the medication affordable luckily. The discounts on the vet stay and the medication is what makes it all worth it. Don't know what I would have done if I didn't have it. I would have lost my puppy to parvo. Very quick. I didn't have any problems. They knew right away and handled the claims as they came along. No dispute of any kind. Great customer service and very friendly.

I purchased coverage for both of my late dogs. It covered an emergency visit or two and really helped offset costs when I discovered one was very ill. The premiums were about one hundred dollars per year and I paid thirty or so dollars each time I took them in for a visit. I had coverage for three years and my premium went up each year but the increase was manageable. I did not receive many discounts. I recall getting one for signing up multiple animals, as well as consolidating their visits and veterinary offices. The claims I had were resolved within 30 days, if not less, and the claims office was very communicative and helpful. I was able to quickly file a claim and the tracking system when I called was helpful.

I would recommend due to good experience with them. They were nice and helpful in helping me choose the coverage I wanted for my pet. The cost was fair enough. But, if you love your pet as much as I do mine, then the cost is not a factor unless it's just ridiculously high!!

Very comprehensive benefits with a lot of coverage. Have my pet well covered. Love the benefits of my policy with extensive benefits. Love their coverage. Great value for the price. Very inexpensive for the benefits. Well more valuable than the price states. Great company. Love them all the way around. They have a few discounts that offer great value to their company and involving with the needs of the customers. Very caring and offer extensive discounts in a few areas. Very quick processing of claims. Never exceeds the allotted time that is provided by the company. Overall excellence.

Coverage seems to be sufficient for most cases. Many situations and instances covered that protect your pet in almost any situation. Variable costs as well. Cost is very fair, as installments are broken into monthly payments and a bonus is given at the end of the statement period if your deductible hasn't been reached. Agents were very thorough and efficiently walked me through the process. I was very pleased with the results and have lower payments now.

The coverage is remarkable and they have outstanding service to provide for any pet in need. They do their best to help out every single pet that needs. The cost is one of the best. It has been a privilege to been involved in the cost of the services and I get a chance to keep a lot of my income because of the cost. I get a lot of discounts from them. They treat me with the utmost respect. If I'm unable to pay they help me to pay in installments to help pay the fee. The claim processing is clear and up front. They told me from the start of the services provided and the necessary treatment they do if they need to do it.

I'd definitely recommend this to anyone who wants it. If I ever needed to use it again I would. The cost wasn't bad. I was happy to pay what I paid. They were right in line with other places I looked. I didn't get too many discounts with this but still I was very happy - us in this service. The process was quick, efficient, no complaints. Everything happened in a timely manner.

Great ease of use. Great service all the time. I love everything about what they do for my pets. They are the best at what they do and stand for. Great prices on everything you and your pets need. I love the things they stand for. Great in every way. They always make sure you get the best discounts possible. I have nothing but great good things to say about them. They know what they stand for and are great at what they do. Great easy to see and understand what they stand for. They are always at the best prices and discounts around.

We have had Trupanion since we purchase our French bulldog almost five years ago. We cannot say enough good things about them! The rate has stayed the same for as long as we have had our policy. They are prompt in responding and processing our claims and we love the lifetime deductible per issue as our dog has two lifelong illnesses. I have referred multiple people to them and everyone is thrilled with our service.

Purchased this insurance back in January thinking it would cover our 7-year old Maltese. Tried to submit a claim for routine check-up. Was only informed THEN that the insurance didn't cover anything preventative. So this product PENALIZES the owner for taking care of your pet. Lost 700.00 bucks in monthly premiums for a total scam that won't cover basic medical care for a pet. PET INSURANCE IS A SCAM.

I signed up with Trupanion for my cat. The policy cost $25 per month. Every year, they raise it by 20%. When I called to ask why, they said it was because they could. They do NOT cover preventive care, which could find a condition like cancer before it gets VERY expensive. In other words, they NEVER pay for anything that could keep my cat healthy, but raise the premium 20% every year.