Trupanion Reviews

Sarah R. 2025.01.16

     

Verified

The absolute worst pet insurance I've ever had. They went over all my pets medical records, and they even counting things from when she was a puppy and basically said they weren't covering anything that she may get due to her breed. She's a bulldog so saying you're not gonna cover hip dysplasia is a huge thing. I requested my money back for an inaccurate description and being misled and I wanted my subscription canceled and they were very rude and unprofessional. It was a very lengthy process and they made things very difficult.

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Reply from Trupanion 2025.01.16

Hi Sarah,

We know we’ve been in touch on another platform, and we wanted to respond here as well. We appreciate you sharing this honest feedback with us here, and we understand that we haven’t provided you’re the experience that you’d hoped for.

Our coverage is here to help with new conditions that may show up after a pet’s coverage is fully in place. While our plan doesn’t cover illnesses or injuries that start before this time, please know that this won’t affect our ability to help with new and unrelated issues that may develop down the line. We use each pet’s complete medical records as provided by their veterinarian to ensure that we apply coverage fairly and accurately to all of our members.

We’re sorry to hear that you’ve decided to cancel your pet’s medical coverage with us, and we want you to know that our team is always available to review your concerns with you further to offer any additional support or clarification we can. Please call us anytime at (855)210-8746 – we’re here for you 24/7.

Take care,
The Trupanion Team

Dominic B. 2025.01.14

     

Verified

Just coincidentally increased my Dogs premium 42% right as he is turning 10 years old. This is the second time I've had a large issue with this company. The first time they told me they would cover an issue if I could have the veterinarian call them and change the report that was initially given. After the veterinarian did that they still refused to cover my dog until I threatened to cancel the insurance and give a bad review. I think it's pretty obvious that this company is all about the money.

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Reply from Trupanion 2025.01.14

Hi Dominic,

We appreciate you taking the time to share this feedback with us here. Your concerns are important to us, and we know it's never easy to see a large change to your monthly cost. We want to assure you that your pet's pricing is not based on their getting older after starting coverage.

Rather, it's important that we stay priced to support the unlimited payouts our plans provide in the event of the unexpected, no matter what changes in the industry that we cover - veterinary medicine. To do this, we'll regularly review our costs alongside the trends and changes we see to the cost and use of veterinary care over time, as well as how many pets are receiving the care they need as more families welcome new members into their homes. In the event that we find our pricing no longer supports our unlimited coverage, we'll move forward with the difficult but necessary decision to adjust our pricing. By doing this, we ensure that no matter when you may need us, we'll always be available to offer our support.

Please know that our team is always available to review your specific situation and concerns with you directly to offer any further support or clarification we can. Our team is here to support you 24/7 at (855)210-8746, or via live chat online through your member portal.

Take care,
The Trupanion Team

Helene 2025.01.10

     

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

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Joe 2025.01.10

     

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

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Joe S. 2025.01.10

     

Verified

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

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Reply from Trupanion 2025.01.10

Hi Joe,

We know we’ve been in touch on another platform, and we wanted to respond here as well. We’re so sorry to hear that your pup needed medical coverage, and we’re sending lots of healing wishes your way. We want you to know that we take your situation seriously, and your concerns are important to our team.

We’d like the opportunity to look into your pup’s claims and account with you directly to provide you with the best support we can. We believe we were able to locate your plan with the details provided here, and a member of our team will be in touch soon at the contact details listed. In the meantime, please DM us here on Yelp or give us a call directly at (855)210-8746 if there is a better way to reach you. We’re available for you 24/7.

Take care,
The Trupanion Team

Elizabeth B. 2025.01.07

     

Verified

3 months of waiting on a claim to be denied. Then they told me I could resubmit but I wouldn't reach the deductible anyway (2nd time). Every claim is under a new condition too so you never reach the deductible. Canceling today.

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Reply from Trupanion 2025.01.07

Hi Elizabeth,

We're sorry to hear that your pet needed medical treatment, and we're sending lots of healing wishes your way. We understand that this wasn't the claims experience that you'd hoped for.

We do want to assure you that our deductible is per-condition for the lifetime of that condition, even if that condition lasts your pet's entire lifetime. This means that once you've satisfied the deductible for any eligible injury or illness, we can help with related treatment costs without any caps or limits for that condition - even if lasts your pet's entire life! Multiple claims can fall under the same deductible, as long as they are for the same issue.

We're sorry to hear that you're considering canceling your pet's medical coverage with us. Please know that we do offer options for a secondary review of your claims if you and your veterinarian disagree with the outcome. We'd be happy to discuss how to start that process with you directly at anytime to offer our support. Please call us 24/7 at (855)210-8746 to get started - we're here for you 24/7!

Take care,
The Trupanion Team

Susan 2025.01.06

     

Pet parents run from Trupanion. When your dear pet gets sick and you start submitting claims, they continually process claims without reaching out to the veterinarian medical provider for medical information, therefore processing each claim submitted as a new (PER) condition claim, therefore making a bottomless deductible. The continuous response is you can go through the appeal process. This practice hopes that the consumer doesn’t go through the appeal process so that Trupanion does not have to pay on an insurance claim. I personally have experienced this over and over and over again, submitting claims for a condition that is not new and should not be processed as a PER condition deductible. This is not an insurance company you want to go with because when your pet get sick, you will not be reimbursed because they will apply it to their per condition bottomless deductible and then tell you to appeal it. Not once did they ever reach out to the veterinarian to obtain medical records and process the claim correctly. Run from Trupanion.

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Benilde 2025.01.06

     

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

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Susan M. 2025.01.06

     

Verified

run from Trupanion when your pet gets sick and you submit a claim, they continually process the claim as a new condition deductible making the deductible bottomless when you challenge them they tell you you can appeal it even though you wrote all over the claim that this is not a new condition. They continue to apply new condition per deductible in order for you not to appeal it so they don't have to pay out on the claim this is not a one and done. This is a continual process for the same medical condition year 2024 every time a claim was submitted they process it as a new so they can continually apply it to the deductible and you never get paid on a claim. RUN from trupanion do not insure your pet with this company.

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Reply from Trupanion 2025.01.06

Hi Susan,

First and foremost, we are sorry to hear your pet has needed treatment. As pet parents ourselves, we understand how difficult it is to see our pets sick or not feeling well. We hope your pet feels better soon.

We know we have been in touch on another platform, and we wanted to respond here as well because we would like to offer our support. We believe we have located your plan and a member of our team will be in touch with you as soon as possible at your contact details on file. If you have questions or would like to speak with us in the meantime, please give us a call or chat with us online. We hope to talk with you soon.

Take care,
The Trupanion Team

Adam M. 2024.12.23

     

Verified

scumbag insurance company filled with pieces of garbage. after the course of 12 months, my monthly insurance rate was jacked up by over 50%. my pet hasn't been hospitalized, hasn't had any surgeries or procedures. there was absolutely no reason for these crooks to raise rates by over 50%. These people are truly bottom-feeders who will stoop to any low to generate profits

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Steve 2024.12.20

     

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

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Matthew 2024.12.20

     

Horrible company for cat insurance. First time I went to the vet to bring my cat, who was a stray, they told me that all her conditions were pre-existing because I can’t prove they weren’t with a previous vet record. How could I have a record for an adopted pet who was living in a bush. Beware of the fine print and all the exclusions. I was shocked to find that they refuse coverage for so many random reasons. They will kill you with kindness to get you signed up, but then you get the sharks once it’s time to see the vet and submit a claim. Pretty much assume you will be denied. I’d assume they are good if you never need to submit a claim for cats, but if you do they won’t pay. Plus, the customer service is terrible. When I went to cancel and express my concerns, the cancellation agent said “you are unproductive and need to spend more time reading the entire contract.” I was taken aback because I just found out my pet had a medical issue and the insurance denied the claim so I was naturally upset. Tristan, the agent, is a horrible person. I asked if they could refund my premiums for the past 4 months since they refuse to cover anything. He told me they are regulated by the American Pet Insurance Company (APIC) and APIC says they can not provide refunds. So I called APIC and asked if this is true and they said “we have never heard of this.” Tristan is an interesting choice for customer service. Overall, maybe good for dogs (I can’t speak on this), but don’t buy for cats. There are better options I’m sure. But probably better off just paying out of pocket.

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Gina 2024.12.14

     

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

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A 2024.12.12

     

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

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Josh G. 2024.12.03

     

Verified

Rude, unprofessional, customer service. Shantell couldn't possibly have been more smarmy, smug, and hateful. Weaseled out of paying 1/3 of Vet bill when they promised to cover all but the co pay in order to trick me into signing up. I'll be speaking to the Manager at my soon to be former Veterinarian's office to get an explanation as to why they recommend this low life garbage company. DO NOT TRUST TRUPANION AND IF YOUR VET RECOMMENDS THEM THEN DO NOT TRUST YOUR VET.

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Reply from Trupanion 2024.12.03

Hi Josh,

We know we have been in touch on another platform, and we wanted to respond here as well. We are sorry to hear your experience has not exceeded your expectations.

Our team would like the opportunity to discuss your feedback and provide any information or support we can. We believe we have located your account and a member of our team will be in touch with you as soon as possible at your contact details on file. If you have any questions or would like to speak with us in the meantime, please call (855)210-8746 or chat with us online. We hope to talk with you soon.

Take care,
The Trupanion Team

Barbara 2024.11.27

     

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

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Cheri 2024.11.26

     

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

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Doug C. 2024.11.22

     

Verified

Policy started at $39.44 for my 1 month old Golden Retriever, which increased 53% to $60.33 for year 2, and then another 43% to $86.10 for year 3. That's an 118% increase from where I started. I don't know of any other industry that can get away with such ridiculous rate increases. If I told any of my customers that I was doubling their spend for no usage, I'd be laughed out of the room. Their friendly account rep claims their friend has seen decreases two years in a row - yet cannot produce data that shows how many customers receive decreases across their customer base. I don't fault their employees - they're just doing their jobs. Truly - they are very kind and sympathetic but are not empowered to make any changes. Looking at Trupanion's financials, they run thin margins - so am guessing they're being squeezed by the vampire squid PE firms buying all the vets, and driving up costs. Anyway, this is a terrible company that is not customer focused. At least offer some guarantee of price caps instead of gouging your customers. I look forward to your friendly reply asking me to call your number for 24/7 assistance!

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Reply from Trupanion 2024.11.22

Hi Doug,

Thank you for sharing your concerns. As loving pet parents ourselves, we are glad your pup has been healthy and has not needed to use their plan. We hope that continues to be the case! But if they ever do get sick or hurt, we’re committed providing any support we can. This commitment is at the core of everything we do, including our pricing.

You can be assured that your monthly cost is not set to increase every year. Rather than automatically changing pricing because pets get older after signing up or need to use their coverage, we instead regularly review our rates alongside overall trends in the cost and use of veterinary care. By keeping up with the industry we cover, we know we can be here for you and your pup if and when you need us.

We understand it can be difficult to see your cost change over time, and we appreciate that you have taken time to speak with our team directly about your account. Please know we are always available by phone or live online chat if you have additional questions or would like more information.

Take care,
The Trupanion Team
(855)210-8746

D A. 2024.11.17

     

Verified

THEIVES-LIARS-CON ARTISTS. DO NOT GOVE YOUR MONEY TO THESE LIARS. Trupanion has been accepting our monthly payments for 6 years and sending us statements of how much has been pained towards our oldest dogs allergies. When we finally met the deductible (after 6 years) and it came time when we finally met the deductible and they would have to pay, they said "oops, we apologize, we made a mistake and your dogs allergy is a preexisting condition'. Our dog had had an allergic reaction to one of his initial shots, so they premed him with Benadryl and he is fine since.... now he has food allergies, and after leading us on for ivermectin 5 of those 6 years and telling us "once his allergies costs reach $1k (not including 'vet visit costs and a plethora of other charges, we finally got to where they would owe us some payback. Several calls later and confirming that we had met the deductible *That THEY had been keeping tabs of for 5 years* the very next day we get the email stating that since he had previously had an allergic reaction as a puppy (to a fucking vaccine) his food allergy is now a preexisting condition. Yet, they had been keeping track of all of the bills and telling us 'don't cancel, it will pay off once you reach your deductible'. What crap. The day it reached the deductible they had been keeping track of, they call it a preexisting condition and apologize for THEIR oversight. They are not the same thing. Then they have the balls to say "we aren't cancelling his policy because it was our fault that we kept tab of his allergy records and tracked his deductible. F you! I'm cancelling the policy now, not you because you lying, thriving asshokes are simply using one of the oldest 'bait & switch' cons ever.

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Reply from Trupanion 2024.11.18

Hi there,

Thank you for taking time to express your concerns. We understand this was not the outcome you expected. Our team is available 24/7, and we hope you have been able to connect with us directly to review your specific coverage in more detail.

We would be glad to provide any further support clarification or support we can. Please send us a direct message here with your contact details and we will gladly be in touch. You can also speak with us any time by phone at (855)210-8746 or by live chat through your online account.

Take care,
The Trupanion Team

Sarah 2024.11.16

     

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

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