I have been a customer for 4 years. I have paid approximately 9,000 in premiums, and have used the policy very little. In my last vet visit my dog received those annual shots. It was 10 days before the date allowed (unbeknownst to me) so my $100 reimbursement was declined. I canceled my insurance policy and will never recommend this company to anyone.

This company does everything in its toolbox to not pay claims. Even when your dog is sick. RUN RUN RUN away. I wish I had chosen another company. What a waste.

I have emailed time after time to have a dog dropped from my policy that is no longer my dog and they refuse to drop the dog and keep billing. I called and they said I had to email in writing. When I email they say I am emailing from the wrong email address and that is impossible and the eamil address they send billing, notices and emails to review them. Originally in 2020 they were great and easy to deal with when a dog had an injury. Since then they deny claims when they should not. And keep billing for a dog I have not had for over two years now. I should only be paying for 2 dogs not 3 so I have reently hired a lawyer and notified the insurance commission in Texas of the problem and their unwillingness to resolve. Well, here it is July 3 and we have still not heard from Trupanion even though they indicated they would review and reach out. Par for course.

Your claim process has been incredibly frustrating. I submitted a claim on 5/20/25 and even though I submitted further required data on 5/30/25, the claim still has not been processed. You expect me to pay my monthly bill on time, yet you are in no rush to process a claim or send a check to your customers. Not too mention, I can't help the way the veterinary office writes their notes, and yet if it's not in the exact format you want, then the customer gets penalized.

Would give them zero stars if I could. What a scam and a waste of money. Coverage is horrible, the app glitches , and they don’t cover anything. It is almost impossible to speak with a real person. All chat bots and it’s not helpful. Do not recommend!!!

They wouldn’t approve a wellness claim because the receipt also included a toy I bought my dog. I was not asking them to pay for the $3 toy in fact the visit summary showed exactly what the itemized vaccines were.

Initially I struggled with the new process of filing a claim, but eventually had success.

I have this insurance for my 2 pets, a cat and a dog for 5 years. I started paying $67 for both. Last year or year before the monthly payment increased to $88 for both, and I agreed to it because I thought it happened after we did submit claims after my dog's surgery. But now, only 1 or 2 years after, after I didn't submit any claims, they increased it to $125, which is almost 50% increase! It is insane ! They offer other options which you will need to pay insurance AND deductible not $250 that I have now, but %500 or even %1000. Before it happened I did recommend this insurance for everyone, but now I can say that it is unfair, increase should not effect all customers, it may affect those who did submit claims, even not all of them, only if it was a lot. How much we will pay in a few years, like for car insurance, $ 700 ?????

They raised my premium, upped my deductible, and paid out less — it’s like the reverse lottery! Two pets, two useless claims. I pay them monthly so they can politely decline to help. 10/10 regret. Would rather train my pets to do taxes than deal with them again.

Do NOT use this company. Once a great company, no longer! We have had insurance with them for over 12 years and our dog was diagnosed with periodontal disease years ago and they said, no worries they will never use a diagnosis to increase your rates or not cover you in the future BUT guess what, now that she needs surgery they will not cover her costs of between $4k-6K (don't even get me started on the Vet pricing) because we did not have her teeth cleaning completed within 3 months of her pet visit. Had no idea, I advised them that our Vet left the practice and we just found another so missed out by 4 months. Does not matter, what the circumstances are, sorry! Take your money, put it aside and forget about using Trupanion! So disappointed and to those who say, oh we have had no issues, either did we! Wait for it!