Trupanion Reviews

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.