Trupanion Reviews

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.