Too much red tape and a little more expensive than I expected.

I am deeply disappointed with my experience. Based on my interactions, I cannot recommend this insurance. In hindsight, I would have been better off opening a savings account and depositing the monthly premium myself. Before proceeding with my dog's neutering, I called to confirm if the procedure would be covered if deemed medically necessary. The representative assured me it would be, provided it met that condition. After my veterinarian evaluated my dog and recommended the surgery due to recurring infections and blood in his urine, I trusted that the medical necessity would be clear. Unfortunately, the insurance company later determined on their own that it was not medically necessary — disregarding the professional recommendation of my veterinarian. It is disheartening that they override the judgment of a licensed veterinarian who has direct knowledge of the animal's condition. What makes this situation even more frustrating is that I sought clarification beforehand and was not informed that the insurance company would independently decide what is necessary, regardless of veterinary advice.

Every time we need trupanion they tell us things are pre-existing. We plan to save our money and just pay for services since that’s what happens when we need them. We have paid them for several years and we would have been better off putting our money into savings.

Company isn't transparent about deductable and coverages. I had a $3000 mouth surgery bill, they paid $900.

Trupanion’s arrogance knows no bounds. When questioned about a 33% premium increase, only boilerplate messages about increased regional costs were given. When asked for documentation about how such an increase was determined, more boilerplate messaging about this being proprietary information was offered. Surely Trupanion can do better than this.

We were clients for many years. We started our policy back in 2009. At that time we had 5 dogs on the policy. Coverage was great and monthly premiums were affordable. All of our dogs from that time period have crossed the rainbow bridge. Out of 5 of those beautiful souls only two had serious chronic illnesses that we definitely needed coverage for. Trupanion was great through it all. We once needed this coverage for our dog after she got into an inhaler and ingested all the medication. Mind you these were all large breed dogs. A few years ago Trupanion started to increase rates by huge amounts. They denied coverage and found ways around paying claims for our then 14 year old Labrador Zoey. Zoey’s policy started in 2009 and she never had a claim until later in her life. A broken tooth that was causing her a lot of pain and needed immediate care. That claim was denied and called a routine teeth cleaning. Our veterinarian was so upset that she credited our account $300 and immediately removed all trupanion literature from her waiting room lobby. We know have two very small young toy sized dogs. At renewal time a week ago once again we were handed a large renewal increase for our 10 pound maltipoo. He’s just four years old with no health issues or claims. Already we’re at over $70.00 a month for him. Our other dog Ruby who’s a 20 pound mini poodle and not even two years old has a rate of $84.00 a month. We paid less for a monthly premium with our 80 pound purebred chocolate and black Labradors. At such a young age there’s no way that by the time we’re half way through their lives we will be able to afford the monthly premiums for both. We are on the brink of retirement age. My husband intercepted the renewal email and shot back at trupanion with a vulgar email that was not signed by himself or I. I was at work at the time this happened. That afternoon I had a call come in from trupanion but I work for a hospital and can’t answer a personal call all the time. The next morning I checked my trupanion app on my phone and all of my dogs past and present we listed under “ previously insured pets”. I called trupanion immediately to see why my two dogs were listed that way. The CSR put me on hold to inquire about the situation. She came back on and very rudely said your policy is canceled effective immediately because we received two very vulgar emails. She said the emails were considered as written statements asking to have our policy canceled. There was no name/ signature so that does not warrant permission for cancellation. I’m the sole person that deals with trupanion, pays the premiums, and submits all claims. So this unscrupulous company canceled my policy for something I had nothing to do with. They took it out on my dogs also. The years of paying into this company, the tens of thousands of dollars in premiums and they just canceled the policy. I have zero doubt that we are not the only policy holders to ever explode on them and their terrible insur

As my dog has gotten older with more issues I've had to fight for his coverage more and more

I've never had an issue with Trupanion coverage, but they for sure charge for it. My police has been going up $20 to 30$ up a month every year!! They say it's the average Vet cost going up, but my Vet and my friend's Vet don't go up $20 a visit. It's very frustrating.

Monthly pricing has gone up triple since we started 3 years ago, other then that things are good

Keep raising my monthly premium and never paying much for claims. Typical insurance