Very expensive monthly fee; and Trupanion would not honor one of my former claims even though it was appealed by my vet. My vet said my dog had an ear infection with no sign of allergies at the time of the exam. She said Trupanion only assumed it was.

Horrible. Use any other pet insurance. I bought trupanion starting in 2011 for my 6 month old puppy. In the last 14 years Trupanion had covered NONE of her medical expenses. This includes knee surgery, when she was stabbed by a human 7 times, nor dental disease (just to name a few). This year my monthly premium jumped from $75/month to $120/month with no notice nor contact telling me this change would occur. Go with any other pet insurance. Trupanion is absolutely horrible!

They say they're the 'honest' insurance company, which makes the dishonesty worse.

One Star – Very Disappointed After Years of Paying

This company has multiple minimum $500 expense amounts for each body part or ailment (four separate claims were approved but each condition had a $500 copay first so we recieved no reimbursement). We had a several thousand dollar bill for an injested plastic piece that needed multiple scans and were only paid out about 28%. When I called to cancel, they tried to blame my frustrations on having such a high deductible (only $350). Trupanion has, like many of the negative reviews, reached out but I have no interest in engaging with this company, having already made true statements about their (lack of) services with their insurance plan. Do it right the first time Trupanion! Trupanion, do not bother calling or emailing me as I will not respond to you.

Been with trupanion for 3 years. Just put in my first claim, wasn’t covered and it felt like a waste. Honestly, if you can afford it, you’re better off putting money aside in a pet emergency fund.

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:

My premiums have gone up 252% in 7 years. That’s an average of 36% increase per year. Ridiculous. You are much better off putting that premium in an interest bearing account and self insuring.