I am new to trupanion but reviews and referrals were important and helped me decide on joining, I just would like to ad that as a senior on a limited income, reducing our rates would be appreciated and welcomed.

Going with Trupanion has been one of the biggest mistakes. We have 2 Boston terriers in our policy for the last 5 years and we may as well have thrown our money in the toilet rather then had our insurance with trupanion. First off, when you call to sign up they literally try to tell you everything is covered aside from pre-existing conditions.... But just wait, cause soon you will find that anytime you have to submit an invoice, they come back trying to prove that it is pre-existing. Even when your vet calls them to tell them its not. Secondly, yearly fees jump up so much! My house and car insurance don't go up as much as they try and increase the coverage on our pets. we are talking on average 22-27% per year in increases. And all they can tell you is that" risk factors go up, would you like to increase your deductible to make things more affordable?" Yeah sure, get the deductibles so high that you guys never have to pay anything out... I recently had to speak to somewhere there to explain why they weren't coving my dogs emergency visit, and listening to them break down how they were not covering any of the $1400 was mind blowing... When I said that I feel like Trupanion as scammed me the last 5 years, She had the audacity to say "Sorry your pets haven't been sick enough for you to benefit from our coverages". Who says that!?!? This of course was the one time i spoke to someone there who went off the standard script. Speak to your vet before you enroll with Trupanion, I am sure most of them aren't their first options to recommended. Maybe at one point they were but things have clearly changed.

If you dog ever got sick with something as minor as an ear infection prior to getting insurance they will never cover it in the future and will extend it to not cover anything mildly close to that condition. Scam insurance. My dog had an ear infection and now they wont cover the insurance for an issue with its paw that the dog stepped in something. Unbelievable.

Here’s my experience with Trupanion: German Shepherd puppy, enrolled at 7 weeks old, no pre-existing conditions. Year 1: $86/m, $500 deductible Year 2: $88/m, $500 deductible Year 3: $105/m, $500 deductible Year 4: $103/m, $500 deductible Year 5: $66/m, $1000 deductible (I raised the deductible from $500 to $1000 to lower the monthly payment, which increased my out-of-pocket costs in the event of an emergency) Year 6: $74/m, $1000 deductible Year 7: $94/m, $1000 deductible Year 8: $101/m, $1000 deductible After 8 years with Trupanion: I started at $86/m with a $500 deductible in Year 1. By year 8 I’m paying $101/m with a $1000 deductible and carrying more risk. Take it for what it is. Just providing transparency for anyone looking for coverage. Hope it helps.

Every issue has a deductible. What you pay is not what the Vet charges. Teeth issues are a preexisting condition.

I feel that I should have gotten more back for Molly I have been paying for over 12 years it would be nice when you a get a reply you reply to my dog..her name is Molly NOT Holly

I submitted an invoice for my oldest dog back in August I received a confirmation email assuring me that Trupanion was “ on it;” A month later I submitted an inquiry via email regarding the claim status. The Em response directed me to phone the company. I did so and spoke with a representative who informed me that Trupanion had no record of the claim and that I would have to resubmit it. I did so and I’m now waiting for payment regarding this claim. my concern is, that had a nut checked, no action would’ve been taken regarding the claim, despite the fact that it was supposedly received, and in process. initially, submitting claims to Trupanion, a company I have been with for many years, were simple and seamless. The premiums have continually increased, and as I have more than one dog with a policy, my monthly rate is fairly expensive. I would like to continue doing business with Trupanion, but I am concerned regarding this latest issue .

Getting way too expensive. Miniscule payouts.

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I've had Trupanion for about 10 years, and for me, I would have been better off without it. If your dog has a catastrophic injury or major disease, it's probably worth it. For general health decline, it's not, in my opinion. My dog's monthly fee started at about $30 and is now about $130. However, my biggest complaint about Trupanion is how often then deny valid claims, then I have to appeal, then usually they are paid. My dog has been on several prescription drugs for YEARS. I have met my deductible for the related conditions for the drugs. Yet, when I file for reimbursement, claims are denied and I have to call to follow up and have the claim resubmitted. It is frustrating and time consuming.