Update June 15:

Signed up hoping to get some reassurance that my pets would be healthy and taking care of with Trupanion.I was wrong I got five emails asking for the same information each time then I get met with rude agents that barely give ya the time of day horrible company.Canceling soon and looking for a good pet insurance provider cause trupanion ain't it

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!

I jave a 90/10 policy but the first time I ever had to use this for an emergency out of my 636 dollar vet bill I had to pay 432. Thought it would be lower. The only good thing I can say is my vet uses Trupanion and th bill was paid at the vet right after release of my dog. That part was easy

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.

As a physician I don’t trust health insurance policies to begin with. The pet insurance industry is not nearly as regulated as human insurance so it can be rife with dishonesty and no one cares. This is one of those policies. If you do not get insurance the minute your pet is born, do not bother getting insurance. First they offer you no verbiage of the policy when you sign up. Simply put in your dogs age, breed, and decide how much you would want them to pay if an injury happens. Then start paying your premium. They also don’t send you a written copy of the supposed policy you signed up for. When there is a problem that is common amongst your breed I guarantee it won’t be covered. ACL repair one side only and if your dog already tore one side they will never cover that on any other limb. That goes for anything else that can occur in more than one area. Think tooth abscess, knee dislocation, eye problems, etc… Despite, the fact that they say everything is covered it is not. The policy is in the legal jargon you would expect, completely indecipherable by the regular person. Once again you’ve never been provided a copy of this policy but when they don’t want to pay for something, they will send you a copy of page 4, 6, etc… that you never saw. Furthermore, it won’t even say what they say it does, its so nonspecific and arbitrary that it could be applied to anything. Maybe just maybe this insurance will cover if your dog is hit by a car. However, if a vet has ever jotted down that your dog ran in the street in the past… they will not cover it.

everything is easy and quick, love many pet but it is said not continuous anymore

No phone call and no information

I would give a higher rating but it seemed like as soon as I had a couple of claims my rates were raised. Twice! They're almost double what they were to start and my dog is only 2 years old.

Insurance premium went up 30% and when I asked why my premium went up the customer service rep it’s due to inflation and cost. Most insurance should be giving customers loyalty for sticking with them and insurance rates shouldn’t be going up 30%. Such a significant increase.