Horrible to deal with and most claims are getting denied! The only thing they seem to be successful at is raising their monthly cost! Started at $95 in 2016 and am now at a $203 monthly fee! Do not choose Trupanion, your pet deserves better!

My dog recently passed away due to chronic kidney disease. It was great that they covered the expenses, although I had to pay my deductible multiple times for the same issue... In the end I probably paid almost half of the bills anyways. The one thing I hated about Trupanion was their cost of coverage increased every year. It started at about 70$ every month (at less than a year old) to about $226/month when my dog was 7 years old - my deductible was $900. It ridiculous how much it increases per year just because my dog gets older.

Update June 15: Trupanion did not cover any of the costs associated with my dog's illness. Then they followed up with reducing the amount they were paying for her Invertebrate Disease because I had rehab (not paid by Trupanion) for her elbow and knee. Trupanion decided that my holistic treatment "could" have also be treated for the Invertebrate Disease and reduced the amount. Finally, to top it off, they increased my premium with 2 weeks notice, They claimed that they sent me an update, but somehow, I didn't receive the email notice. How on earth did they know that I hadn't received the email? If you want to be treated horribly after paying premiums for over 14 years, then you may want to consider Trupanion. Otherwise, you have many other options now - you should exercise those options. If I could write a zero review I would. My 14 year old dog has been with Trupanion since she was 10 weeks old in 2011. We rarely had any claims until she reached about 12 years old. After paying our premiums for over 14 years, Trupanion is now taking almost 4 weeks to review a claim for a condition that has been covered for over 2 years. Our premium was also increased as our claims increased and when we appealed Trupanion’s decision to apply a deductible when it had already been paid for the same condition.

If I could rate a zero, I would. I have a 14 year old flat-coated retriever that I have insured with Trupanion since she was 10 weeks old. We rarely submitted claims (and in 90% of the cases that we did, Trupanion just applied costs to the deductible and we did not receive any coverage), until our dog was 12 years old. While Trupanion states that the deductible for a given condition will be applied only once over the lifetime of the pet, that was not the case for me. My dog had a condition that appeared when she was 2 years old (we paid a deductible), when she was 4 years old (again paid a deductible) and most recently when she was 14 years old (and again had to restart the deductible). The term "chronic" condition was shared with me repeatedly. So, if you dog's condition is not chronic, but appears randomly (same symptoms, same treatment, same outcome), do not expect to be covered. Additionally, Trupanion is now delaying processing and payment of a claim for a condition that we have submitted and have covered for the last 2 years. Finally, Trupanion also increased our premium just after I submitted an appeal on the repeated deductible on a condition for which I have already paid. Please ensure that you consider other insurance providers when looking for coverage for your pet.

I've never had an issue with Trupanion coverage, but they for sure charge for it. My police has been going up $20 to 30$ up a month every year!! They say it's the average Vet cost going up, but my Vet and my friend's Vet don't go up $20 a visit. It's very frustrating.

I am very disappointed and concerned with Trupanion's service as of late. Especially if pet parents are relying on their help and services for the well-being of their animal... Last year when I adopted a purebred cat, I was provided with a code from the breeder for a free 30 day policy. I had no problem activating it and the agent was very great! My only issue at that moment was they had told me I would be called back at the end of my 30 day trial, but was never called. I had therefore decided not to pursue a payed insurance with them. I have now adopted a new cat from the same breeder and had another 30 day free trial. I tried calling the first time the night of the adoption and had to leave a message since no one could take my call. I waited 2 days for them to call me back. Nothing. I decided to call back on the 3rd day. I was then told that because I waited, I may not be able to benefit from my 30 day trial. I was also told I would be called back by a supervisor either tuesday or wednesday of this week. We are now thursday and I have not been called back... I am glad that this was not for an ACTUAL HEALTH ISSUE with one of my animals and that I am not an actual paying client. But unfortunately, this experience was enough to convince me not to insure my pets with Trupanion.

Trupanion is a very dishonest company. After having their insurance for a few years they will increase the rates signifagantly more then they any of their sales material advertises. They justify this by using statistics that are beneficail to their claim while ignoring their own published finacial numbers. For example, they claim vet costs are up 65% in the emails they send notifying informaing a customer of the increase while their published finacials state the increases were closer to 35%. Our last increase was 15% on top of a 30% increase a couple of years ago. If you call in and questions what going on you are met with passive agressive people saying their "sorry you fell that way" rather then addressing the actual issue. We are 7 years in and they know its cost probiative to leave so they gouge customers playing on their concerns for their pets health. This company is morally bankrupt and should be avoided at all costs. Use at your own peril.

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!

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

I’ve been with Trupanion for over 5 years now. Each year my monthly bill has increased, I started at 85$/month and now as of July 28/2025 my monthly bill for one mixed breed dog will be 132.50. Which is more than my own monthly personal medical insurance. Yes, it does say in the small print that yearly changes will be made, but at what point does the cost increase stop? I am sure this is some sort of ponzy scheme where they get you started with your new pet, just so slowly increase your charges through its life time. I will be looking for and acquiring a new insurance company as soon as possible.