They deny 99% of claims. They always say pre-existing conditions, when they are not. When I first got the dog from the shelter, his first sickness they denied for pre-existing condition. I should have took that as a sign.

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

My insurance used to increase gradually each year by about 5-10%, but it recently more than doubled- from $80 to $200.

Lower your prices to help people who have a limited income be able to afford pet insurance.

Website is easy to navigate. Unfortunately, most of my claims are being denied because of so called pre-existing conditions. It would be nice to know what conditions, if any, will be covered going forward. Based upon my experience to date, I am paying a lot in premiums and getting almost nothing back on my claims. We need Obamacare for pets!

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 found this insurance company to be a heartless profit machine. They showed little empathy and were more focused on their bottom line than on the well-being of our pets. Overall, a disappointing experience.

The process was easy. A lot of basic things not covered.

I started this policy through group insurance. My dog just had puppies today 10/09/2025 and I kept requesting for telehealth visit or chat about a NICU puppy and we needed advice to save his life being that I have no vehicle anymore . My chat kept closing after waiting about 5 minutes to even chat on multiple tries and I lost my puppy . So , thanks a lot MetLife . You guys surely know how to NOT to give HELP & COVERAGE when needed!