I bought this pet insurance when my puppy was about 13 weeks w no pre-existing conditions. One year later, that’s still true.

Be aware that this does not function like normal insurance. EVERY SINGLE part of their body or ailment requires a separate deductible. Consultations are never covered. I paid for this insurance for 11.5 years with zero claims. When my dog finally got arthritis, I have had $5000 in vet bills this year, but because they break out all the body parts separately, you will have a separate $1000 deductible for each body part. They will also make tons of reasons not to cover conditions. For instance, if you don't get your dog's teeth cleaned every year, they won't cover anything in the mouth. Trupanion is a scam. Put your money in a bank account for when something happens. You will be better prepared to handle their medical expenses. If they don't need it, you have an extra investment account.

Premium almost doubled moving from Hawaii to California. None of our recent trips are covered. You need to add basic pet visits to it. Personally wouldn’t go through them after my experience. I could only imagine if my pet has to do a major procedure like some of these owners. Go elsewhere. Waiting for a cookie cutter response from their team for this.

My cat is barely over 1 years old. I picked her up from the breeder when she was 3 months old in May of 2024. Now here in May of 2025 trupanion is raising my pets rate from $54 to $84 a month and we have never filled a claim and the cat has a perfect bill of health. They raised my premium by 56%. That is absurd. I immediately called and canceled because that is straight up a scam.

Not one claim has been approved in 8 years. We have paid over $15,000 in premiums and only denial. Total rip off.

I received a free trial of Trupanion through a breeder when I adopted my Maine Coon kitten. He had very bad diarreah when I got him home and the breeder had sent me home with worming medications. I took him for a wellness check to the vet and asked for a full fecal panel to be sure of the cause of the diarrheah. I submitted the claim and Trupanion refused to pay for the panel and sent me a long list of all the things they do not cover which seems like almost every reason you might bring a pet to the vet. They also asked for $154cnd per month if I wished to continue the coverage. What coverage? No thanks.

They deny everything based on geralizatjons and diagnosis from themselves and not what doctors say. My dog had a puppy scratch on her belly and they said it was allegies even though my vet didn’t. Then they proceeded to deny anything she has ever had because it shares potential symptoms with allergies.

They don't cover tests even if it is caused by an emergency. We had a bill of $422 and they covered $0 . Really not worth for the price I pay monthly.

I will NEVER refer anyone to Trupanion. They didn't tell me everything before I enrolled. I was told i only had to pay a 1x deductible. Man they LIED. You will have to pay a deductible for each damn condition. With other companies you only pay a deductible once a year. Now I can't switch insurance because pre existing condition. STAY AWAY from Trupanion. I don't understand why we have to satisfy a deductible for EACH condition and don't cover shots and office visit.

Expensive but good in a jam. Please send me my bandana.