Absolute worst customer service and company ever. I have never left a review before but I can't with this company and want to warn everyone to never use them!!! STAY AWAY!!! HUGE waste of money. Shop anywhere else or just put the $150 they're making you pay into a savings account for your dog/cat. You'll probably end up never using it and then just have a treat for yourself. Started paying for pet insurance for my dog as a puppy which started at $50. Today, they have upped it to $150 and I have never even used them. I have given them over $8,500 in the years I have had them and they just up your monthly payment whenever they want and if you want to pay a lower one, they only offer one choice which is, they will make you pay a higher deductible to lower your monthly so it's not really helping at all. Please please please go anywhere else to get pet insurance or again, just put it into a savings so companies like this can't screw you over.

Trupanion: The Most Dishonest Pet Insurance Company You Could Ever Choose Trupanion is an absolute nightmare of a company — a textbook example of how to exploit loyal, trusting customers under the guise of compassion. For years, I paid my premiums faithfully — through every increase, every renewal, every promise that I was “doing the right thing” for my pet. I believed their slick marketing about being transparent, fair, and different from other insurers. But when it came time to actually file a claim, Trupanion showed their true colors: greedy, deceptive, and completely unethical. They cherry-picked one misleading sentence from a single vet’s note, ignored the rest of the medical record, ignored every other professional opinion, and then denied my claim outright. No call for clarification. No effort to verify facts. No compassion. Just cold corporate indifference. Then they pulled their favorite trick — labeling it as a “pre-existing condition.” Here’s the problem: my pet met none of the requirements for that label under Trupanion’s own policy definitions. They simply used it as a catch-all excuse to deny payment, because it’s cheaper to accuse you of violating a term than to actually pay what they owe. Trupanion’s entire model is built on profiting from loyalty and ignorance. They’ll happily take your money for years, but the moment you file a claim, they’ll weaponize fine print and distort your pet’s medical history to justify a denial. To anyone considering Trupanion: don’t just take my word for it — go read their Better Business Bureau (BBB) complaints. You’ll see page after page of customers describing the exact same nightmare: years of premiums paid, legitimate claims denied, and “pre-existing condition” excuses that don’t match their own policies. It’s not just me — it’s a pattern. Trupanion isn’t “coverage.” It’s a corporate con disguised as pet insurance. They don’t protect pets — they protect profits. If you care about your animal and your sanity, run — don’t walk — away from Trupanion. Their coverage isn’t worth the paper it’s printed on, and their compassion ends the moment your pet needs them most.

I have always had a positive interaction on the phone. When applying for my most recent pet I was told they would call back to get me enrolled so the waiting period would be done by the time I had our new dog. They did not follow through. Then today I found out where their policy says they do not cover exam fees this means ANY exam - not just wellness exams. So the fee you are charged for a specialist to evaluate? On you. ER visit fee? Yours. It isn’t included in the money for your deductible. And I didn’t find this out until two of my animals are in need of expensive care around the same time. So I can’t even switch insurances because now there will be preexisting conditions.

RUN THE OTHER WAY. They don’t cover medications, they are incredibly difficult to get ahold of you have to be transferred 3-5 times and repeat the same story over and over until they can finally connect you to someone who can ~maybe~ help and then they deny your claim anyway. Confirmed that my coverage would take over for a different plan without a lapse and then when my dog had and accident and jumped and tore a ligament… oh well the waiting period for that SPECIFIC issue is longer so we can’t do anything about it. If i could give negative stars I would. Save yourself the trouble and just light your money on fire instead.

Declined to pay ER treatment required call to Pet Poison Helpline. Also eliminated for payment $430 for Emergency visit ($200 which was NOT an exam fee) & Inpatient Exam ($230.00). Believe they calculated Exam fee twice. Spoke to call center who refused to help. I pay a great deal monthly for this coverage & am not happy with these decisions. They seem to stretch restrictions to save corporation money instead of being compassionate regarding the issues facing the clients & their pets. Used to be a business who bent over backward to work with clients. No more. Will no longer recommend.

My dog needed an intentional surgery. He wasn’t eating for a week so I brought him into the doctor knowing he probably ate something bad and had a blockage. My vet visit wasn’t covered, this visit diagnosed the problem. It wasn’t a well visit, this visit wasn’t covered, doesn’t seem right.

Trupanion has been a good insurance for most of my dog's life however I am not happy with their latest coverage. My dog may have herniated a disc in his neck, and had an er visit, and two followup visits with his regular doc. Trupanion treated this as three separate incidents, charged three deductables, and denied the visit specified by the er to follow up with liver, ga6l bladder, and pancreas enzymes. This was one injury and should be treated as one injury. There was no routing doctor visit.

This is the more expensive pet insurance and it almost never works when I’m at the vet. I’ve had to pay first multiple times. The whole point of me getting this insurance is so it would pay upfront and then I cover my share. Plus it doesn’t cover as much as I thought.. AND they raised my monthly cost.

I have paid in 83$ a month for 5 years. My bills were over 3k and I recover 400$?

Very,very expensive and with the deductibles and no regular visits or check up’s covered, they barely cover anything. Will be looking elsewhere for better insurance that does not fleece you.