Trupanion Pet Insurance has unethical pricing practices and misleading claims about their policy structure. I have been a loyal customer of Trupanion since my Cavalier was 8 weeks old, and in just two years, my monthly premium has increased by nearly 50%. Most recently, I received notification that my premium would rise again to an outrageous $205 per month for my now 2-year-old dog. This increase is unreasonable, especially considering that my 5-year-old Cavalier is insured with another pet insurance company for half the cost. Despite Trupanion’s claims of being superior, their policy structure is far less consumer-friendly than competitors. Unlike other pet insurance providers that require only an annual deductible, Trupanion enforces a separate deductible per condition, making it difficult for to receive adequate reimbursements. Additionally, Trupanion promotes their “unlimited payouts,” yet many other companies offer the same benefit at significantly lower prices. I have only filed 5 claims over the past 2 years, yet I have only been reimbursed a mere $56. Despite their assurances that premiums are not based on claim history but rather breed and geographic location, I find it highly suspicious that my premium continues to skyrocket. It appears that Trupanion is engaging in price gouging and misleading marketing to maximize profits while providing minimal benefits to policyholders. I will be canceling my Trupanion policy and switching to Figo Pet Insurance, where I have been quoted a significantly lower monthly premium of $65 with better coverage—including a $250 annual deductible, unlimited payouts, and 90% reimbursement. Even with additional coverage for exam fees and wellness (which Trupanion does not offer), my Figo premium will be just $92—less than half of what Trupanion is charging. Trupanion’s rates appear to be designed to take advantage of pet owners rather than provide fair and reasonable coverage.

This company moved out of Canada to the us and is now charging in US dollars and converting that amount to Canadian dollars. Watch your bill go through the roof if you are Canadian. You can't even talk to a Canadian on the phone.

I signed up my younger dog for Trupanion after our cat passed, b/c Trupanion is expensive. We're now staring down the barrel of a lymphoma diagnosis and even the blood test to find out if he has friggin cancer is rejected b/c it's less than 30 days since signup. We're about to get "pre-existing condintion"'d into oblivion after over a decade with Trupanion. I'm about to cancel the new policy and if our older dog wasn't SO old that it's actually worthwhile I'd cancel that too. Hope y'all feel good about yourselves.

I still don't have an account- I paid but didn't get an email with my account information on it.

Preexisting condition loophole: I have had Trupanion insurance on my pets for over 10 years. I have two policies with 4 pets. DO NOT BRING YOUR PET TO A VET WITHIN THE 30 DAY PREEXISTING WINDOW. Nine years ago I adopted a 3 year old Shih Tzu mix. The vet mentioned some tartar on her teeth, which more than likely have been cleared up by subsequent dental cleanings. Now nine years later they will pay for nothing dental. I now hate Trupanion. I could see if the condition reappeared within five years or so, but nine years later is a rip-off. I recently called Trupanion and asked which teeth had the tartar, but they couldn't tell me. If they could I was going to say than exclude those teeth only. In their defense there are many claims I would give them five stars on. They have paid out many claims over the years for my pets. Remember that Trupanion is a business and in order to stay in business and be able to pay claims they have to make money. Therefore, they will look for a legal way to deny your claim; this does not make it morally correct. Make no mistake they do not care about you or your pet. It is a business and it is about money. If they satisfy ninety percent of the people they stay in business, the rest is collateral damage. With all that being said they are probably one of the better pet insurance companies in the industry. There are many pet insurance companies on the market, because of this claim I will look at other companies if I get another pet. I am sorry for this bad review but I feel very cheated. Please don't tell me that you are sorry for the outcome I will find it insulting.

We are new haven't used it yet, however the service people are Great in Explaining the Ins. Details. Especially Megan.

Very rocky overall. This company has been spotty all around, and even worse in the cancellation process. The app and chat features don’t work, and fun fact - once I deleted the app from my phone and canceled my plan I was no longer able to find the app in the Apple store! So no ability to leave any honest reviews about its complete lack of functionality, but it does reflect the extreme inaccessibility of this company. It took four attempts to chat, and two calls to cancel, along with a follow up for the confirmation and refund! Not to mention, the breakdown of deductibles is PER CONDITION PER ANIMAL. I took my bulldog to get cherry eye surgery and they advised the claim was covered but that the surgery only counted towards the deductible of THAT ailment. NOT the policy overall and not for the animal overall. When my kitten was killed, I had to again call and fight for my claim to be picked up and processed, to which they responded ‘well if she died your policy doesn’t cover death fees’… as if I hadn’t already submitted a claim for the hospital visit for injuries leading up to the death, so clearly they hadn’t processed/read. This company is a joke all around, and full scam level on the way out. It’s clear why they’ve dropped from the Top 10 lists.

Have not covered ANYTHING! I have been doing diagnostic testing for my cat with GI issues, which the website claims you cover, yet my claims have all been denied. Update: I received outreach from the company where they let me know that nothing that happens to my pets during the first 30 days of getting the policy will be eligible for coverage. This was not communicated to me when I signed up and i very disappointed in that. My vet was also unaware of this. My cat is facing some serious testing and diagnostics over the next month, so having this insurance will be a moot point. Feeling mislead and disappointed with the company- hoping I find another company willing to help me afford all the testing my kitty will be going through.

"Birth" will be considered a "pre-existing" exclusion from coverage. They will not cover anything. Scam.

I paid for my pet insurance for over ten years. The first time I tried to make a claim they denied it (upwards of $3,000) even though it was pre approved. They claimed I did not follow the vets instructions. I disputed it and had a letter from the vet stating I did follow instructions. They still denied it. My dog is eleven years old, I cancelled my insurance as I do not trust this company for obvious reasons. I am so disappointed I paid close to $10,000 for this elective insurance and still have a huge vet bill on my credit card. I am so dissatisfied and disappointed.