Trupanion looks back at Vet records from when you first got the dog to now. If your dog ever had a cough or a runny nose, then they don’t cover anything in the future that may have a cough or runny nose as a symptom. If your dog ever sprained or bruised their leg, then forget being covered if they rupture or break a bone or ligament. If your dog has ever had no appetite or been on a prescription diet, then any symptom that may include that is not covered. The list of what they want cover based on a dog that’s 10 years old from a time when she was three months old is ridiculous. They nitpick over your records to ensure that you get the least amount of claims possible.

My vet recommended that my dog had periodontal disease and required his tooth pulled. This was noted in August 2024. We did not get him in to the vet until January 2025. Trupanion denied the claim as they said the procedures wasn't done within 3 months of the of the diagnosis. This is an expensive procedure and as such we were unable to afford the cleaning/procedure at that time. Dealing with Trupanion in the past I am always nervous that they will cover anything so can't rely on insurance. Overall I think Trupanion is the biggest rip off they start at a reasonable rate and then hike up the fees while never actually covering expenses.

They want your money but don’t want to pay out anything, it honestly feels like a scam. As soon as a better option becomes available in the market, I encourage everyone to switch.

I had my State Farm Insurance Agent setup my account based on the quote they provided me. The information that was setup on the website was incorrect, and had to be corrected. They setup the account on the 13th of the month and today is the 17th and the information on the site has still not been setup correctly. I have followed up with Trupanion three times to get all of the corrections updated and they said it would take about 5 days to get all of the corrections done.

Their staff is wonderful and kind. But this is an insurance company set on making profits and beware-their process is difficult, unintuitive and there are many things they actually don't cover. They reject as much as they actually cover. Their deductible is per condition. A disappointing company to work with like many other insurance companies.

From your yearly email. We recently reviewed the data for similar pets in your area, and we found that the average cost and use of veterinary care has increased. To ensure that Chase always has access to the best veterinary care possible, we’ll be changing Chase's monthly cost from $157.50 to $219.44 starting on February 26, 2025. Trupanion is unique in that we never increase your monthly cost because you’ve submitted an invoice or because your pet ages. We’re here so you can utilize your coverage and help your pet get the best care possible when they need it most — with no payout limits. February 2023 $157.50 Monthly February 2024 $184.33 Monthly February 2025 $219.44 Monthly. How is this not raising our rates yearly. When your pet gets to the age of really needing this insurance, you can't afford it. This is totally unacceptable, your company is a fraud...

Worst customer service. Ever. Of epic concern.

Trupanion has a misleading insurance model. Their frequent and significant price increases in the monthly fees comes as a surprise, cannot be justified under questioning and, hence, are indefensible. They provide notifications out of the blue, citing organic rises in costs, and when asked for specifics on those increases cannot support what has been recently a 30%/month fee increase. They misstated our dog's medical history and basically flailed around trying to justify the above increase. I am sorry we signed up initially. I would avoid these folks in favor of other organizations

My premium has gone from $136 to $500 for my two Labradors. That's $7,000 a year! That's almost a 400% increase. I live in Massachusetts. I researched how much Veterinary costs have risen over the past 5 years in my state and it's an average of 16%. This is greed on an epic scale. I canceled my insurance.

Do not get Trupanion! They treat your pet like it’s car insurance. Why do I need to pay 40$ extra dollars a month because I live in a better neighborhood than I did before? I called them and they said that pet insurance is like car insurance. They go by casualties that happen in certain zip codes. Are you kidding me??? My pet doesn’t get sick, ever and you’re telling me I have to pay more because through a zip code it says that dogs in that are get more sick than others??? This is ridiculous!!!! Starting to sound like human corporate. I’m editing to respond to your non sense response. Exactly, you make a policy due to breeds and their genetic predispositions. I never said I am changing animal hospital, I’m just moving into a new home. I will still go to the same hospital I’ve always gone to, no matter the zip code. I am extremely dissatisfied with Trupanion. While I understand that geographic factors can influence rates, I find it unreasonable and unfair that this adjustment has no direct correlation to my dog’s breed, health, or claims history. My dog’s risk factors remain unchanged regardless of my address, and I believe premiums should primarily reflect the individual pet and policyholder’s history, not a generalization based on location. This increase feels disproportionate and unjustified. I used to value the coverage your company provides but am deeply concerned about the fairness of this adjustment. I would never recommend you guys again.