What ever pain your pet have, they call it new “ ‘condition’ not to pay, Pain is not a condition, is temporary.

They are a total scam. If you love your dog, run away from them. I'm still waiting for a claim and a refund, one month later. I had them because of Chewy, but when I sent my dogs claims for the first time, they would disappear from the website, I emailed them, and they said they had nothing. I took print screens, and they said they would do it by email. After that, they said my first dog had an ear infection because he made a test to see if he had something, and because he had had it in the past, they would not cover it. But he didn't have any, they just didn't want to cover the diagnostic test. And this guy Ali would insist that my dog had an infection, this representative is the most lying, rude person, I do think the guy has even issues against clients or me. I canceled the service with them, and after I canceled they charged me. I sent an email, and the guy said they didn't refund me yet because now there is an error in the system, and they put my cancellation date wrong. Hilarious. Now I'm still waiting for my refund and my claim... Worst customer support, worst experience ever.

Trupanion is the worst. I’ve been paying $68 a month since January. It’s now September, and I’ve already spent over $500 in vet bills this year. Yesterday, my dog cut his paw on a piece of glass. Trupanion refused to cover the cost because their deductible is per condition. That means the $500 I already paid in vet bills this year doesn’t count—since those expenses were for a different issue, I have to start all over again with a new deductible for this paw injury. Because of that, I ended up paying $206 out of pocket yesterday (and it would have been $400 if the vet hadn’t kindly waived some fees). Meanwhile, I’ve wasted $68 every single month on a policy that doesn’t actually help. So let me be clear: Trupanion is a scam. You pay them every month, rack up hundreds in vet bills, and still end up paying out of pocket for everything because of their “per condition deductible.” They don’t care about you or your pet. I’m canceling my policy immediately and warning others—don’t waste your money on Trupanion.

Too much exasperation with what you do not cover

30% premium increase in one year!! Poor account information avail in online account ( no detailed explanations for each claim - only via individual emails amd not summarized in account )

DELAY, DENY! They have denied every claim. They just denied my 7 year old dog treatment for eating rat bait because "she had a history of eating things she was not supposed to." We never put in a claim for her eating anything before but did tell the vet when she ate a rock as a puppy (as many do) and, we called when she ate a piece of chocolate once, as any dog would do. Bait is scented to attract animals - that's why it's called BAIT. I've given Trupanion 9K over 7 years (they do raise the price our premium went from $44 to $110 a month) and they refuse to cover ANYTHING so far. They took 2 weeks searching her medical records and their contract to find ways to deny claims the claim. Sounds like United Health Care's "Delay and Deny" motto.. despicable. Don't waste your money on this company, just put the money into an account every month instead or you'll never see it again. I have canceled but am left feeling scammed. I do not recommend to any dog owners out there.

You advertise on your pamphlet and website that you cover 90% of the cost of vet bills. But you only covered $115 of a $600 bill. I paid $100 for the insurance which means it was a complete wash. I will be cancelling.

The premium just went up again, nothing has changed, Trupanion doesn't pay for much at all. I am disappointed with the service.

I've not been happy with this coverage, because it doesn't cover items that I believed it would cover, as well the amount of time it takes to actually get a claim paid. I will be looking for new coverage for my pet(s).

My pet had three small skin lesions removed, was charged a deductible for each one. This insurance is worthless unless your pet has a chronic condition or catastrophic injury. Instead of an annual deductible, they charge a deductible for each type of incident, and they micromanage each claim, insuring a low or no payout under most circumstances.