So I pay 40 extra dollars that day I signed up so it can be activated right now but in all reality my dog can't get sick for 30 days until he'll have coverage so I feel like in wasted my money so far and scam me out of some money. Will see what the future holds

I am disappointed that I have not been able to sign in to my account.

I’d like to leave zero stars, but that’s not an option. Buyer Beware** I enrolled with Trupanion hoping for reliable pet insurance, but my experience has been deeply disappointing. When my dog Ringo got sick from eating paint last June, I signed up same-day after seeing their ad at the vet, implying immediate coverage. Turns out, there’s a 30-day waiting period, and they labeled his diarrhea a pre-existing condition, denying the $600 claim. I stuck with them anyway, paying $57/month. Then, in early 2025, Ringo had severe itching and redness all over Including his ears which were not infected at all, but itching from a new suspected food or seasonal allergy—totally unrelated to earlier ear infections caused by bath-time issues when he was a puppy. Despite paying $175 out-of-pocket (past my $200 deductible), Trupanion denied this claim too, linking it to those old ear infections. Their broad, unfair definition of “pre-existing conditions” seems designed to reject claims rather than help pets. I’ve canceled my policy and can’t recommend them—look for a provider with clearer, more honest practices.

My insurance policy was increased for no reason and I send invoices for a condition and I received multiple issues: 1, uploading of claim kept being rejected and delayed, took me hours to do so; 2, condition wrongly named so that one of the invoices was not allocated to the deductible; 3, although you received detailed invoices you requested additional records as is invoices (with detailed description) were not enough. You used to be a lot more customer friendly. Service has significantly worsened over the years.

Worst pet insurance company. Don’t trust them with anything. Basically a scam, self insure before using them.

Not transparent about waiting period for new puppy- nothing was covered

Temporary password was invalid. Email code was not accepted. Account could not be located/verified, no new password set up available.

Raised our insurance rates 20-30% every year, even though we never submitted any claims. Our dog is still young and healthy. I can only imagine what Trupanion would have charged by the time he was older and needed care. I switched to Lemonade, which was less than half the price.

Terrible coverage. The amount paid monthly and my pup had a procedure and they did not cover evaluations. I have healthypaws for my other pup and they are GREAT! Also when I called they had the incorrect(which I requested an update 6 years ago) breed once they corrected my premium went down.

After a year my dog had an accident and we went to the ER. This is the first time I learned that I have a 10% copay on all claims and also that no exams are covered. Both in the intro video and online materials these 2 points were not made clear. In addition, before I signed up, I talked to a representative and asked about hidden costs. I knew that there would be no coverage for wellness exams or vaccines. I am fine with that. I was not told about either of these 2 loopholes before I purchased the insurance. When I called, the representative was very nice but told me that it was all in my contract. The one that is 20 pages long and unreadable by anyone other than a lawyer. Forgive my cynicism. This feels a little underhanded. It should be laid out up front and easily accessible to any consumer trying to do due diligence. I had to pay out hundreds more than I expected for this visit. Disappointed.