Deductible is per condition, not per year, and they exclude a lot. They pay pennies on the dollar.

Reply from Trupanion

Was disappointed to see that exam fees are not covered at all.

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.

Going with Trupanion has been one of the biggest mistakes. We have 2 Boston terriers in our policy for the last 5 years and we may as well have thrown our money in the toilet rather then had our insurance with trupanion. First off, when you call to sign up they literally try to tell you everything is covered aside from pre-existing conditions.... But just wait, cause soon you will find that anytime you have to submit an invoice, they come back trying to prove that it is pre-existing. Even when your vet calls them to tell them its not. Secondly, yearly fees jump up so much! My house and car insurance don't go up as much as they try and increase the coverage on our pets. we are talking on average 22-27% per year in increases. And all they can tell you is that" risk factors go up, would you like to increase your deductible to make things more affordable?" Yeah sure, get the deductibles so high that you guys never have to pay anything out...

If you dog ever got sick with something as minor as an ear infection prior to getting insurance they will never cover it in the future and will extend it to not cover anything mildly close to that condition. Scam insurance. My dog had an ear infection and now they wont cover the insurance for an issue with its paw that the dog stepped in something. Unbelievable.

Here’s my experience with Trupanion:

Every issue has a deductible. What you pay is not what the Vet charges.

I feel that I should have gotten more back for Molly

I submitted an invoice for my oldest dog back in August I received a confirmation email assuring me that Trupanion was “ on it;”