When we adopted our dog back in May of 2022, we signed her up for insurance before she was even a year old. At the time, our monthly premium was $155.91. It seemed high but we wanted to make sure she was covered. But every single year since then, the premium has shot up by about $50. Yesterday, June 20, 2025, we got hit with another rate increase. It's now $330.52 a month. That’s more than double what we started with. It really feels like the strategy here is to make it so expensive that people are forced to cancel coverage once their pet starts aging. Edit after Trupanion response. I appreciate the reply. However at the current rate if increase we are on track for the monthly premium to be $680 a month by the time our dog is 10 years old. No amount of marketing fluff makes that reasonable. And I did speak to your company when we got the second increase last year and was told verbatim the script you entered as a response to this review. Regardless of your reasons, potential customers should be aware their premiums are likely to double in just 3 years like ours did. That's the point of reviews so people know from other customers what to expect.

my first experience with your company i was very disappointed…. I had to remind My Litchfield Vet dr to use your insurance… even tho i had been informed by you it was done. With my first bill over $900, you paid only about $50 of the total. And i am paying for insurance ?

Called Trupanion twice to inquire about a surgery my dog needed and was told it would be covered and I am responsible for paying the deductible. Dog had surgery and I submitted the invoices and received a message it was denied. Called and they resubmitted it and was approved minus $267 in taxes. Called again and they didn't know how the adjuster came up with that amount. Taxes were less than $8. Waiting to receive my reimbursement. Wasn't impressed with the process.

I had to take my dog to the vet as she was having some breathing issues, I knew I had to wait 12 days for the insurance to cover the policy, anyway I called to the insurance and the lady told me over the phone that I could start a claim and the claim department will make the decision . On the 13 day after I subscribed to the insurance I took my dog to the vet again , the 12 days grace period had past already and my dog was covered, I took my dog because she has a lump in the joint if her leg and the shoulder so I open the claim for both visits 4 weeks after. On Monday I received an email from PHI telling me that my dog is not covered as the breathing pelriblrm she had was already a past condition ( she had kennel cough last year ) I don’t think the problem she has now has nothing to do with that condition from the past year and the lump in her leg was not there before. They made the decision and they will not cover both visits. I am looking for other insurance provider for my dog.

What good is a chat with a Vet if no one ever replies. Very very disappointing.

I’ve had a mixed experience with MetLife Pet Insurance so far. While I appreciate the ease of submitting claims and the overall clarity of the policy documents, I encountered a frustrating issue that has yet to be resolved. I recently submitted a claim for an emergency vet visit, and one of the charges (a critical care exam) was approved but not applied toward my deductible. Because of this, I missed out on a reimbursement I should have received for expenses that exceeded my $500 deductible. I've contacted customer service to review the claim, but it's disappointing that such an error occurred in the first place — especially when you're dealing with the stress of a sick pet and unexpected costs. I hope MetLife can improve the accuracy of claim processing and make it easier for pet parents to resolve discrepancies quickly. Until then, I recommend checking your Explanation of Benefits closely and reaching out if something doesn’t add up.

Didn't process initial claim correctly, delaying reimbursement. Also feel misled by what the policy would cover for wellness.

You have to pay out of pocket first (full amount) and you’ll only get 1/4 $ back. What’s the point? $840/ year and you’ll be lucky to even get $250 back.

This year they doubled our rate. They said do to cost increases but come one now.

Extreme increase in premiums this year!!! My dog is 15 years old and I started her on the insurance when she was 10. Had steadily increased a little over time but this year they nearly tripled my premiums. If you have an older dog look elsewhere or really compare with other plans. Very deceptive and didn't even provide proper justification for increase or when I asked for the decision that it was based on.