You nickle and dime your customers - even long-term customers yet raise our rates every year blaming it on veterinary charges going up. This is a joke and a scam

Trupanion used to be a great company, but over the last couple of years, it’s completely changed, and not for the better. I would go as far as saying this company seems like a total scam these days. I’ve had between 5 and 9 animals insured with them at any given time for the past six years, so I’m not new to this. The premiums have steadily increased across the board, even for puppies I insured early with “locked-in” rates and no pre-existing conditions. I understand prices go up, but the increases have been steep and hard to justify. What’s really pushed me to write this review, though, is the experience I’ve had recently with one of my cats who’s been seriously ill. Over the last few months, I’ve submitted more than 20 claims related to the same illness, and most of them have either gone unanswered or been categorized in a way that requires me to meet a new deductible each time. This particular cat has a $1,000 deductible, and by constantly splitting his ongoing care into separate issues, Trupanion has effectively avoided covering the majority of his treatment. Even worse, some of these claims were denied for “missing information” despite the fact that I submitted every piece of documentation they requested—doctor’s notes, receipts, timestamps, everything. I followed up multiple times after resending the materials and still heard nothing back. At this point, I’ve received responses to maybe 5 of the claims I’ve submitted, and only a few have been paid out—neither for amounts that come close to what I’ve spent trying to keep my (young) cat alive and comfortable. This isn’t just a case of slow service. It feels like they’re actively avoiding payouts. For a company that used to be known for reliability and compassion, it’s been a shocking shift. I run a large animal rescue and used to recommend Trupanion to adopters and friends all the time. I’ve completely stopped doing that. I don’t know if there’s been a change in ownership or internal policy, but something is definitely wrong. After paying steadily rising premiums for years and only needing help now with one seriously ill animal, it’s heartbreaking to be left without support. I wouldn’t wish this experience on anyone, and I can’t in good conscience recommend Trupanion anymore.

I am sorry to say but you take every opportunity to not pay. Postage, consult fees of a second provider-that was a surprise. I like that you pay 90%. I don't like that you frequently make up a new diagnosis. When I joined you said the average dx was 4-5. My dog will beat that by bounds.

This is a scam. Don’t buy into their bs.

My understanding was that more would be paid by Trupanion. I was understanding that 90% meant 90%. And eas very surprised that of the $1100 charged I was responsible for over $700

Trupanion is great to cover medical expences but they increase the monthly cost. Gradually they get their money back by discreetly increasing the monthly premium with excuses.I dont like insurance companies that give then take with excuses.

They have countless loopholes for not covering standard accidents and illnesses. This is a sham of a service. Don’t enroll, you are wasting your money.

Deductible is per condition, not per year, and they exclude a lot. They pay pennies on the dollar.

Not consistent with claims

Was disappointed to see that exam fees are not covered at all.