Just be aware that this company will raise the monthly cost of your pet insurance every year. My pet is 2-3 years old. Initially, my monthly cost for my dog was $109.61. After the first year they raised it to $150.38 and then again the next year to $244.87. Pretty disappointed and feel completely misled. Also, I pointed out to them that my dog never reached 90lbs as an adult (as wasexpected) which lowered my payment as my dog was now in the 50-90lb range. I called on the last day of the billing cycle and they said because I’m calling on the last day of the billing cycle they would not have this change go into effect until the next month. I asked if they could send me a check for the difference like most insurance companies do if you over pay and they refused. An extra $64 dollars for them that definitely is not warranted. Keep in mind I already overpaid them every month as my dog never reached the 90lb adult weight. I just want people to be aware that this company will raise the monthly cost you are quoted. They will say the increase “is keeping with the trends for pets in your area.” In fact, I’m expecting another increase this July if the “trend” continues!

Want to give anyone contemplating procuring Trupanion as their pet's health insurance provider. I have a Bernese/Aussie mix and joined Trupanion when he was 10 weeks old. I had lived in Andover Ma at the time. On 10/2021 my monthly bill was $41.20. My monthly bill on 5/15/25 will be 279.05. I currently live in Newmarket NH. Think about this. Health insurance for my dog through Trupanion is $3500.00 per year. The reason(s) rising costs of vet care, overall health of the insured population, inflation, the economy and due to " the introduction of new vet technologies". Whatever the rationale, it is hard for Trupanion to justify my starting monthly payment of $41.20 to $ 279.05 whatever the reason. If you do decide to go w/Trupanion, I would recommend ONLY using Veterinary Services that are utilizing Trupanion software. In the event your claim is submitted through the app or otherwise, there is ZERO chance that the claims specialist in reviewing the claim and the medical record will be able to arrive at the correct reimbursement/disposition rate. My dog had a route canal performed two years ago and is required EVERY year from the initial procedure forward to have a follow up to check the viability of the tooth, x-rays etc. While under anesthesia, I have the dentist do a cleaning. I split the date of services into 2 seperate and distinct invoices so as to no leave money on the table in Trupanion prorating reimbursement of the anesthesia @ 50% which is the norm. This year the dentist cut some of his gum that was overgrown. The bill listed as one of the services Gingivectomy, 3 minits/units @ 54.00 a minute. ($162.00 total for the 3 minutes it took while under). Despite me speaking with several intake workers and 3 Supervisors, the claim was incorrectly reviewed and paid as a Gingivectomy, starting a new deductible rather than covered services for a follow up the the route canal. I had spoke to Toni and Megan both supervisors numerous times prior to sending in the claim/invoice to try and avoid this. Now, my money will be tied up for a minimum of 6 weeks while my appeal is being reviewed. Aside from the 580.49% increase in price, my current claim/invoice as well as all of the follow-ups to be done each year will no doubt be processed incorrectly. I cannot begin to tell you the level of frustration I have. I gave 2 stars as everyone is pleasant when answering the phone. I would recommend shopping around to a number of Insurance carriers prior to signing up with Trupanion. Once you do sign up, and in the event your pet has had procedures/claims, you are stuck with Trupanion as other insurance carriers will not cover pre-existing conditions. Frank

My cat ate a shoelace and had an intestinal blockage and had to have surgery. My vet handed me a flyer from Trupanion before the surgery and said to look into it. The flyer says, "Instant coverage with no waiting period...""This offer is available for all cats and dogs under 14 when activated within 24 hours of a veterinarian exam". I'll go ahead and finished saying what they don't do you don't waste your time here. The exam must provide your animal with a clean bill of health. I submitted a claim (which they can't find) and was denied coverage due to our being a preexisting condition. No reason to be so misleading! What a colossal waste of my time. I canceled my policy. I'll look elsewhere for pet insurance.

This company has zero ethics. 2nd time around as a customer and both times they eventually raise the rates rapidly without much warning. I cancelled their service the first time because of it and will do it again. Also painful to submit a claim they drag it on and on with requests for info they already received just to wear you down in the process.

I tried to cancel and first off, there is no where on the website to do so. I called, they transferred me to the worst sales person of all time. Incredibly pushy and would not let me off the phone. Got legitimately upset with me that I refused to continue services with him. One of the strangest conversations and most uncomfortable.

Bad to have no help

Give me back my money 2 yrs of no help . This is terrible insurance

This place just take your money offer no help lies about the coverage you pay really wouldn’t recommend to anybody.

I canceled my subscription months ago and they continued to charge me. I called to talk to them and they wouldn't refund any of back payments they charged me.

The joining experience was fine. People at Trupanion are always pleasant and efficient. The reason I went with Trupanion is my vet accepts them. Their pricing is high and the coverage not really competative.