Slow, covered half of procedure. Better off self-insuring given premiums to benefit.

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.

Claims take way too long to review and approve. I submit several claims and there is no record for them. It’s been a mess

Service is worse since they farmed calls to the Phillipines. They couldn't even tell me if my deductible was used up and put me on hold for 15 minutes. I called back, asked for a supervisor and was put on terminal hold again. It's as if they are trying to STICK IT TO THE AMERICANS!

Changing my address doubled my premiums!

It’s hard getting insurance for your older dog when another insurance company cancels for no reason. And then the new one won’t cover anything that he had in his whole lifetime. Even if it’s been over a year since he was treated. I feel like with older dogs it’s just hard to get good coverage. I pay a lot to insure him and they find anything way they can to NOT cover the service.

Would not recommend….okay good thing I can say is the claims they do pay they pay quickly. Their rates increase significantly EVERY year, their website/system is always down or updating but nothing ever improves. Their website is terrible. My dog went fore a wellness visit, was given medicine for an issue but because of this they didn’t pay out her wellness coverage. So what am I paying for???

Had a very difficult time getting my claims processed and paid. My vet sent them records - they say they did not get them - Had vet send them again - they confirm they got them - then a week later when I call back again they tell me they still need more records. They never told me any of this. Would not recommend. Also was not aware that they have co-pays or co-insurance which they charge you for on every line item of your vet bill.

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.

They have canceled several claims and have not responded to the replies. They take more than a week to respond to an email, and after denying your claim, they string you along for days and then refuse to accept the re-claim.