I thought after I paid $500 out-of-pocket, especially for ear infections which has been an issue for her then it would be a 90% pay off after that I guess I was wrong please explain

Trupanion is a SCAM. Their call center agents absolutely cannot be trusted and will make false/misleading statements to get you to spend more money while knowing they will never pay out for most vet costs and surgeries. Their misleading deductible amounts is nothing short of corporate fraud. What kind of insurance policy has a deductible on each specific line item on a hospital bill? I wish we were smart enough to not fall for this scam, but unfortunately we trusted this company. Shame on anyone who works for this company--despicable.

They have become greedy and uncaring in last few years, my name is Wayne Samms and I do not recommend Trupanion.

Fast repayment. Prices are outrageous. 30% increase this year. Simply preposterous. Every year it’s a giant increase. How can a dog’s insurance cost more than mine

I was satisfied with Trupanion until my last experience. I had tried to access my app to submit an invoice and it wouldn’t work so I called. Young lady said she would look into it and in the meantime sent me a link. Submitted the claim got email couldn’t read date sent another picture of receipt showing date. Got another email saying needed all pictures. Called again young man sent me his direct link and finally got through, in the meantime he told me the app is no longer works. NOT IMPRESSED , I use that app it is fast and easy. Considering what I pay for my dogs insurance I feel we should have been offered the courtesy of being informed that this was being done. Bring back the app. By the way Patrick Utter was very polite and helpful.

My premium has more than doubled in just a few years, and despite having repeated claims for the same reason, Trupanion has found ways to categorize them differently so deductibles are not met. I have gotten very little paid out despite massive premiums, and will be changing providers shortly.

These people will find any excuse not to cover your claim.

When I got this insurance 3 years ago I'd seen my boss have it and it only went up a few dollars. After I got it, it went from $175 to $290 a month. I increased my per diagnosis deductible to lower costs, then the next year it went from $242 to $389 a month! Like what the actual F? With that and the ridiculous per diagnosis deductible, I can't even afford to take him to the vet. Yes, they will pay the vet directly, but other than specialists and emergency, I have yet to find a vet that uses their software. I got the insurance specifically because they always charge at the age you sign them up, supposedly to keep it from increasing as they age, but mine has increased like crazy. It's much more than I paid with my last dog whose policy went up yearly as he aged. I also chose them because they pay directly, but many vets don't do that. I pay extra for coverage that's standard with most companies. With my last dog I had Healthy Paws which had a 90% reimbursement and a $100 annual deductible. I never had any issues with them and if it was a scheduled procedure, they would pay the vet directly. I left them with my new dog to avoid the annual increases, but I got screwed because trupanion has increased more than my other policy did and I had that one for around 8 years until my boy died. Now I feel like I'm stuck because anything he's been seen for or anything even mentioned, whether he had that issue or not, will be considered pre-existing. My renewal is coming up in October, and I'm terrified. All of my friends that get pets come to me for help getting insurance, and I do not even look at trupanion. The one friend in the beginning that did sign up switched when they sent her overpriced renewal notice. I'll just say, I've never had an issue getting paid, but I never once had an issue with Healthy Paws either, and it's much better paying an annual deductible than paying one every time you go to the vet for something new. That's also how they get you...if you go in for something you already paid the deductible on and they find a new issue, trupanion will make you pay a new deductible even though you already satisfied it for the reason you scheduled the visit. I have two other dogs, and they do not have trupanion. I'd be homeless if all my dogs were with them. There are so many companies that cost so much less and cover the same stuff and even more, like exam fees. If they don't do something soon, they will continue to lose people. Just for fun I priced our new dog, and trupanion cost three times more for less coverage that the other companies I looked at. They wanted $389 a month while others cost $98-$140, paid out 90%, and covered exam fees and acupuncture, etc without having to pay an extra monthly fee. DO BETTER! Stop lining your pockets with people's per diagnosis deductibles. You are literally the only company doing this. On top of that, there's not even a working app now? I just got my renewal and it's gone up 48%. Bye bye Trupanion. Spot is $146

Very disappointed at the exclusions. Failing to pay for all costs associated with my pets emergency is sneaky and unfair.

I like that Trupanion is quick with claim responses, and it's easy to understand what is or isn't covered and why.