This company is a rip off. I sent four years of vet. Bills and talked to three different people. Every time I called they had a different excuse for not paying me. The Vet. And I both sent records. Now they are saying they need proof I paid the bills. Do you know any Vet, that would continue to treat your dog for 4 years if you’re not paying at time of service? I don’t! So I asked if the Vet. could send something saying I don’t owe them a dime but still not good enough. DO NOT WASTE YOUR MONEY WITH THIS HORRIBLE COMPANY! Update… To make the themselves look good, they asked for my information on here which I gave knowing they would not do a thing and they haven’t. I have asked for a letter of cancellation for a week now but still no letter. God help them if they take more money from my acct. You messed with the wrong person this time! I wish I never found this so called company but I will make it miserable for them just like they did me!

When I went to sign up for a policy, they had my old address in my file as I had moved since then. I used the chat function and spoke to an employee and gave them the information for the update and they walked me through creating a new insurance profile based on what i needed. I was given the quote and accepted the policy. Fast forward to today when I made my payment I noticed my address hadn't been updated so I used the chat to have them to do. During the process they informed me that my policy would more than double in cost each month because of the new address. The same address I gave them in August when I said my old address was wrong and requested a quote for insurance in my new location. Would not trust or do business with this company.

Seriously horrible. They not only wouldn't cancel our insurance when asked but refused to cancel it after our poor puppy was tragically killed. These folks should be in jail.

Beware of this Pet Insurance Policy - Misrepresentation I have 4 pets on Trupanion. I have been paying significant monthly premiums as they claim 90% coverage. I am really sorry i wasted my money and had a false sense of security. If you cover medical expenses, then you need to cover Vet Exam Fees which is part of the expense for a new medical condition. I have made two claims over the past five years. The first was a Neurology Consultation that my regular vet requested. This was denied as they said they don’t pay Consultation fees. Hmm .. ok , but other plans do. Recently i took my dog to the urgent care for a urgent problem. I payed $450 and Trupanion reimbursed me $43. Even with the co-pay $200 and Co- Insurance, this is a really low reimbursement and not worth having insurance for ! They did not pay for the urgent care vet exam fees , which was approximately $100 . When i asked this to be reviewed, Trupanion emailed me to say they don’t cover vet exams ,as its part of routine vet care. Yup it is part of the medical care for this health problem, so it is sneaky that they don’t cover it ! I am cancelling my four policies immediately and found a suitable alternative that covers all parts of medical care.

I’ve been with this company for almost 14 years. Over that period The rates have gone up grammatically. The few times that I really needed this company to be there for me They failed miserable. They have more loopholes for not paying out and you could imagine and when they do pay out, it’s a small fraction. You will be so much better off putting half of the money in a bank over the years that you would payed them. And you will have more than enough to cover any emergency. They also drop you at 14 years. They make millions of this scam.

I signed up for Trupanion’s free 30-day trial after receiving multiple reminders, thinking it couldn’t hurt to try. Pros: No credit or debit card is required to sign up for and use the 30-day trial. Cons: The policy doesn’t cover anything until you meet a deductible. Submitting receipts from the vet to Trupanion only results in an email confirming that the amount was applied toward your deductible, with no actual reimbursement. Overall, I found this frustrating and not worth the time. Rather than paying into this “insurance,” I recommend putting that money into a dedicated savings account for your pet. When they need care, you can pay directly and avoid the hassle of dealing with an insurance policy that doesn’t provide immediate coverage.

Tru panion has been there for me and Lil' Dolly from the beginning. I highly recommend and trust tru panion for my pets needs and insurance.

Advertising for 2026 photo contest but if you follow the link there is nowhere to do it, they just want you to ask your friends to join... 2026 has photo submission has closed???

I thought after I paid $500 out-of-pocket, especially for ear infections which has been an issue for her then it would be a 90% pay off after that I guess I was wrong please explain

Trupanion is a SCAM. Their call center agents absolutely cannot be trusted and will make false/misleading statements to get you to spend more money while knowing they will never pay out for most vet costs and surgeries. Their misleading deductible amounts is nothing short of corporate fraud. What kind of insurance policy has a deductible on each specific line item on a hospital bill? I wish we were smart enough to not fall for this scam, but unfortunately we trusted this company. Shame on anyone who works for this company--despicable.