I've submitted a few claims for different issues over the past 5 years and every claim has been denied. The latest claim was for dental work and their reason for denying the claim was that he didn't have a dental exam in the year prior to enrolling so they determine it to be a pre-existing condition. I enrolled him with Trupanion as a puppy when we picked him up, so it's impossible for him to have had a dental exam in the year prior to enrolling. This "insurance" is a complete scam.

Switched from Pet Secure when I got my new kitten, the process was quick and easy. after the first year they increased the payment from 30 - 40 ish, that doesn’t impress me let’s hope it’s a once in a while thing. Got a second kitten added last week, again quick and easy. BE WARNED they DO NOT cover any Vaccination, wellness visits, or any preventive testing, like a snap test for example. They will only cover something if your cat is showing ‘signs’ of an illness. I was on an all inclusive plan with Pet Secure but Trupanion doesn’t offer any other plan. In summary, while giục and easy they are not cheaper despite what they say than other companies out there so their marketing about shop local is all well and good, except the coverage is lacking with no option to pick a ‘better’ plan with wellness checks covered. I’m of the mindset that preventative tests and vaccines would be covered as to eliminate half the things a cat can catch by vaccinating but they would rather you cat get sick and the. they will cover the costs of that preventative illness (feline cancer for example)….doesnt make sense to me.

Disappointed Registered for the free 30 day trial and when Cooper (10 weeks old) hurt his paw I was denied coverage for the vet bill and X-ray because he didn’t have a vet inspection first, even though I got him from a breeder and he had been seen by a vet for his first shots. I WILL DEFINITELY be looking at other plans.

I’m disappointed that I was told my pet was able to get instant coverage if I signed up in the office. I took the offer. At the conclusion of the office visit I submitted a claim to see how it would work. I was instantly denied because coverage just started that day. That is misleading and false advertising. Now on top of that, if I decide to continue with this insurance the condition I took my dog in for would be considered “pre-existing” and she’ll never be covered for it. Turned me right off. I was going to continue after the 30 days free but you lost my trust immediately. No thanks.

I've been a Trupanion member for 15 years. The coverage plan is straight forward and I had very few issues over the first decade. However, the steep rate increases over the past three years have been alarming. The justification for the inflated rates no longer lines up with rational thought and it feels like the loyal client base is now being taken advantage of, not being able to switch providers if pets have developed pre-existing conditions. Hopefully a more competitive insurance provider steps into the market to help correct the issue. Update: I've already spoken to representatives about my rising rates (64% increase in just two years, to be precise) and was given the same fabricated reply about the rising costs of veterinary care (and as someone who works in the industry, the inflated rates and their trajectory don't trend in a way that coincides with the prices). I'm not interested in hearing the same regurgitation, or the messaging around being committed to the care of my pets. I would be interested to see the trend of clients who have cancelled coverage over the past few years because your commitment to their pets has put such a strain on their finances... which is something Trupanion used to pride itself in avoiding.

I have had my two dogs with Trupanion for several years. In the last 2 yrs my premiums have increased overall by just shy of 70%! Based on my most recent claims experience, I will be cancelling my policies at the end of this month. I have a $200 deductible and 90% coverage and in the few (2) claims I have needed they have fallen short of my expectations. Most recent claim for cracked teeth requiring extraction estimated at $2000, of which Trupanion only will cover $900. Trupanion does not make my policy document available to read via mobile website and SURPRISE! they won’t cover all of the anesthesiology scope (only half) because the Vet included a cleaning in the estimate scope. Buried in the vague, generalist info the policy says you may be prorated for certain scope. So, now, based on the principle of the situation, I have spoken to my Vet and she is quite surprised and is willing to remove the cleaning (Tooth prophylaxis, polishing and fluoride). This is the only way Trupanion will pay the full $638 for the anesthesiology in full. I have spoken to multiple managers (Boomer (yes, that’s actually his name! And Aaron) to no avail. These managers consistently tell you your only recourse is to increase your deductible so you’ll pay less per month. This would just shift the risk back to me. I have pleaded with them to embrace a culture of customer SATISFACTION in their business model. There is no interest in measuring, nor following up on customer satisfaction in any instance. Annually, I receive and email outlining the consistent increase in my policies stating that although my dog will not be discriminated by age or claim volume. One minor claim prior. Apparently my postal code region in rural Nova Scotia is a hotbed of Vet price increases (although my bills for wellness have shown otherwise) and there are many “unlucky” pets out here who are subsidizing the costs of “lucky” pets. This is their explanation: my dog is “unlucky”, yet there have only been now 2 claims in more than 8 years with a 70% increase in premium. Do yourself a favour - take the advice of Consumer Reports. There isn’t a single pet insurance company they will recommend. Not one! I’m putting my $140 every month from now on in a tax free savings account. I encourage you to look at Trupanion’s company balance sheet to see where they stand: Q1 2025 - operating at a loss. Q2 likely the same (Aug 7th earnings call). Company CEO and COO are selling their company shares a lot this year - CEO Margaret Tooth sold ~15000 shares alone! She seems to be anticipating a drop in share price with Q2 earnings announcement. Wait and see and steer clear of this stagnating company. Update (31 July 25): I continue to call (daily) Trupanion in the interest of speaking to senior management. Today, I talked to Chandra from customer service and like the three other days I have called, I have requested to speak to a senior manager about my situation and advocate for others in a similar situation.

Wow, everyone seems to love Trupanion, and they've all had good experiences. I have a really important question to ask you all. I need some help understanding.. When you take your pet to the vet, do they pay the bill once submitted, minus your deductible? Because, honestly, my experience hasn't been as good as yours. I'm almost a year in, and YES I just received my rate increase without them paying a cent for any of my big vet bills 😢 I'm one unhappy customer, and I'd never recommend Trupanion. I'm canceling this week. I already pay $87 off the hop. Have had it nearly a year and their poor lame excuses for non coverage on claims is making me want to move elsewhere quickly! I do not recommend Trupanion.. although what they offered seemed better than the rest. There is better! I just received a$3.66 reimbursement after spending thousands in a shy 2 months!! How crooked and embarrassing for a business to clear $3.66 when my bill was $320. That's a mere 1% ... mind boggling!

My information was entered incorrectly on my initial policy, and the company displayed no goodwill towards rectifying the consequences of their mistake for myself and my kitten 😔 was initially excited to get going but will be forced to explore other options.

Trupanion is great to cover medical expences but they increase the monthly cost. Gradually they get their money back by discreetly increasing the monthly premium with excuses.I dont like insurance companies that give then take with excuses.

I am new to trupanion but reviews and referrals were important and helped me decide on joining, I just would like to ad that as a senior on a limited income, reducing our rates would be appreciated and welcomed.