Customer experience rep disconnected the chat - would not answer my questions about coverage, said policy docs were emailed to me (don't have them 20 minutes later) but refused to say what is in them. "Hanging up" on a customer with standard questions is appalling.

I signed up with Trupanion after reading the many positive reviews. As a fixed income senior, I made my deductible high, to ensure my monthly premiums would be what I could afford. Believing my premiums were fixed, I was upset to learn that the premiums indeed seem to increase each calendar year “due to increasing Vet costs…”?? They have gone up $25/month over the past 2 years, and are quickly becoming out of reach. This was not made clear when I signed up!

I am disappointed with Trupanion's service. I bought the insurance for my cat at beginning of 2024. I provoded all of her Vet record with their request. About 2 month ago, they emailed me requested the record during 04-2022 to 09-2023 otherwise they may affect my future claim, I email back stated that my cat was very healthy and I was busy with family issues so my cat did not go to any vet in that time. I requested them to confirm if this is OK for my cat to continue the insurance for future claims. I did not get response. I sent two more emails to follow up within 2 months however there is no any response! I am disappointed with they are keeping me pay monthly but do not provide the simple answer by 'Yes or No'.

Trupanion steals my money. I have paid trupanion thousands of dollars since 2021 for health insurance for my dog. I have a 700$ deductable. On 12-28-2024, i took my dog to a emergency clinic in trupanion's network. My dog needed a pericardiocentesis. If he didnt get the neccessary treatment he would have died that day. The vet bill was approx 1250. Trupanion would have had to pay 550$ The vet spoke to trupanion stating the dog needs said treatment and not due to a pre existing conditiom. Trupanion stated they needed medical records going back to 2019 before they can authorize any life saving treatment. Not once via phone call, email or a letter did they request any medical information. I have even asked them when I changed my bank account info and updated them to continue payments. My dog almost died because trupanion would not pay 550$ plus my 700$ to treat the dog. I called to complain, they hang up on me and still bill me.

RUN Trupanion takes medical claims submitted never reaches out to the veterinarian medical provider for those medical records in order to process clams correctly instead processes the claim as a new per condition, making a bottomless deductible over and over and over again in the year 2024 for the same condition submitted claim after claim, and each claim was processed as a new per condition claim using a bottomless deductible never paying out this practice should be illegal because it makes the consumer go through the appeal process each time a claim is processed as a new per condition deductible. Their responses go through the appeal process hoping the consumer will not and they never play on a claim Trupanion

I tried to cancel and gave all my info to the person who answered the phone, but they had to transfer me to the cancellation department. I was on hold for 40 minutes and never got anyone. I had to hang up; I could not wait any longer. Now, I have to change my credit card number so they cannot charge me for the next month.

This service has gone up astronomically in the 3 years since I’ve been a member. When I started the monthly price was $73 in the 3 years since it has gone up to $215 yet they cover almost nothing. This service is a waste of money and borderline corrupt with the amount it has increased year over year. I would not recommend Trupanion to anyone. UPDATE: In response to the below from Trupanion I spoke to someone this morning and it did nothing to make me feel any differently that this is a completely broken process. Barely covers anything and price goes up astronomically. $73 to $215 in 3 years is a complete joke. You can go ahead and reach out to me directly if you have anything to say about it. The cut and paste jargon below does nothing to assuage my concerns.

Everything with Trupanion becomes a pre-existing condition. A scratch my cat had from playing with other cats became a pre-existing condition and they won't pay anything skin/fur based. It sounds like good insurance but when everything becomes a pre-existing condition for the life of your pet, then it's really not insurance at all. I have a 2 year old cat who is perfectly healthy but they managed to find 4 pre-existing conditions covering 4 entire body systems and organs. Even my vet doesn't understand how they managed that.

After filing a claim with Trupanion —during which process Trupanion’s support person refused to provide me with policy information or documents and then disconnected me during a chat—I got a follow up email from Trupanion asking me AGAIN for information I had already provided when the policy was established or when I filed the claim. It’s as if a) Trupanion has no consideration for my time b) they don’t bother consulting their records c) they do everything they can do not pay claims but throwing up obstacles or d) all of the above. I think it’s “d”. So I called them on the phone to find out. The rep I spoke to was unable to see information I have provided and had no answer for why they keep asking the me same questions. It does look to me like “c” is definitely true. I’ll make my next stop Oregon’s insurance regulator which I’m sure would be pleased to know of this kind of obstructionist behavior.

If I could give Trupanion zero stars I would. They consider everything to be preexisting, no matter what the situation is. They do whatever they can to not have to cover your pets medical condition. My dog was dehydrated at one point years ago, he now has kidney failure and they are saying because he was dehydrated years ago that this is preexisting. He was a puppy running around playing & drinking water…This company is a complete rip off, they do not care about the pets lives, or their medical conditions. All they care about is appearing as a company that cares when in realty they will do whatever they can to not cover a single thing. Awful company, would never recommend them anyone.