It didn't cover my pet visit and we were not able to get the treatment my pet needed.

The coverage that this insurance company provides seems to be good. But when we first signed up on the phone with a promo code for first 30 days free the gentlemen had explained some great benefits such as the company pays upfront and that our clinic we take our dogs to is a partner with them. However, that was not the case when we talked to our vet clinic they said we have to submit a claim and pay upfront. We called back Trupanion to clarify again and the first person who answered did not have any answers so he transferred us and then the other employee that we got transferred to explained something different. We had also seen a brochure that there is “instant coverage with no waiting period” but we got told on the phone if we wanted to add a second dog we had to do a waiting period of 30 days in order to receive coverage for the second animal. It does not sound like the employees/company are all on the same page. Very nice employees but very confusing policies and after the 30 day period we will not be continuing.

30% increase in premium out of nowhere super cool! I pay more! Woooo!! This insurance is very very expensive!!

I initially chose Trupanion based on positive reviews and their direct payment option to veterinarians. However, I've found that many vets and clinics don't accept direct payment, significantly diminishing this benefit. My cat's diagnosis of feline asthma required a cardiology consult, which was unfortunately denied coverage by Trupanion. Despite letters from both my vet and the cardiologist, they classified it as a "wellness visit," even though it was essential for proper diagnosis and cost nearly $1,000. While a subsequent X-ray consult was eventually covered after multiple appeals, the entire process was exhausting, and I eventually gave up. Trupanion also notified me via email in December of a $20 premium increase for my other cat's policy, citing "increasing cost of care in my area." However, when I compared quotes from other companies with the same coverage, co-pay, and deductible in my area, their prices were significantly lower. I canceled this policy. I retained my asthmatic cat's Trupanion policy due to concerns about pre-existing condition coverage. However, this month's premium unexpectedly increased by almost $15, without any prior notification (which they are legally required to provide at least 30 days in advance). While they claim to have sent an email on December 14th, I only have record of the email regarding the other cat's premium increase. After comparing current quotes, I found a policy with comparable coverage, deductible, annual limit, and co-pay for half the price, and it even covers my cat's asthma. While Trupanion may be one of the oldest pet insurance companies, my experience suggests they are far from the best. Their high prices, denial of necessary consults, efforts to avoid payouts, and frequent, poorly communicated price increases are unacceptable. It's especially frustrating considering Trupanion CEO Margi Tooth's nearly $1 million annual salary. The rising cost of pet care is a significant barrier to pet ownership, and companies like Trupanion contribute to this problem. I strongly advise exploring alternative pet insurance providers, as there are many better and more affordable options available.

ABYSMAL service. Our dog had a medical emergency that required him to have an emergent exploratory laparotomy. During this crisis, we learned our policy was never activated due to the lack of follow through on the end of Trupanion. Trupanion assumed responsibility of this mishandling and assured us that our policy would be able to be retro activated and we would have to pay the difference of the back dated policy. We were originally given an estimated time of 12 weeks for this to resolve. It has now been 30+ weeks and no updates in sight. Better yet, we have been strung along, with the hope that we will be reimbursed for this $6,000+ surgery. Everytime we reach out to Trupanion we are assured that there will be follow-up but no updates have ever been provided by this organization. Every single interaction has been facilitated by my husband and I where we are met with "I understand this is frustrating" or "we will have _____ follow up with you" but there is never any follow-up or resolve to this issue. At this point, the services this company "provides" are non existent and completely fraudulent. If I could rate this company a zero I ABSOLUTELY would. Do better Trupanion.

My dog had diarrhea the first week we got her. So now any time she ever gets diarrhea Trupanion declares it a preexisting condition. Absolutely ridiculous. Horrible company.

Be careful! Trupanion will do ANYTHING to deny claims citing preventative care, previous conditions or symptoms such as “scratching”. Could it be an allergy? NOT covered. Has your pet had an ear infection in their lifetime? NOT covered if at the time they did not have insurance because every ear infection thereafter, even years after, will be related to the one ear infection. Your pet has a chronic illness, is on meds and your vet has warned your of potential liver issues? Well don’t expect them to cover labs to check their liver function because they don’t care. Don’t be fooled by their cute pet photos or marketing. They do NOT care about your pet. They want your money and will suddenly increase your monthly premiums 50% (165 to 250) claiming market adjustments reasons.

I have yet to make a claim. In under 2 years my monthly payment increased by 52%. My fault I didn't read the fine print. I was led to believe when I signed up, that my monthly payment wouldn't increase. This was great, as that was all I could afford. Everyone I talked to was very helpful and kind when I signed up. And after going through what I could find on price increases and costs in Saskatchewan, a 52% increase seems very steep. Saskatchewan has the best veterinarian schools in North America. I obviously missed some emails, which I did find in my junk emails. I would like proof of the increased costs that lead to my 52% increase.

I signed up through a vet promotion, unaware it required an appointment within 24 hours. Trupanion took nearly two months just to clarify that, then denied all three of my pet’s visits. I ended up paying almost $200 for nothing, and one of their managers refused to adjust the charges. There are better, faster, and more affordable pet insurance options out there. Trupanion is slow to make decisions and far more expensive than most. Save your money and look elsewhere!

Today I cancelled my pet insurance policy with TRUPANION. I have been paying monthly premiums for my northern breed dog since he was a puppy. He is now almost 17. Over the years, the premiums have increased from time to time. I think I was originally paying around $35 and now it is up to about $69. Not too bad for a 17-year time span. Fortunately, Sammy has been an overall healthy dog and I can count on one hand the number of claims I have submitted over the years. Of course, because the deductible is "per disease", I have received $0 in payouts. This past week, I received a notification from Trupanion stating that my monthly premium was being increased from $69 to $94. THAT IS A 35% INCREASE! Now, when my pet is old and I really need the insurance, they force a 35% premium increase. When I called to complain I was told that "the cost of veterinary care has increased." As a veterinarian, I am well aware of this fact but NO WHERE have costs increased by 35% in one year. TRUPANION is a sham of a company, ripping off pet owners who are already struggling to provide medical care to their pets. They are an embarrassment to to the veterinary profession. Please boycott this company and tell your friends to do the same.