I just read a lot of reviews and there is a trend I will add to. I have had the insurance for 11 months for a 3 year old dog with no claims or pre-existing conditions. I was just notified of a 16% increase. They play games with the wording not increase for the age of your dog - but if you read the reviews they do them pretty much every year based on their "formula" I have not seen anyones go down based on their "Formula". So not sure if they are any good but they will always raise your rates, so don't be fooled by the wording they present. Here is the wording used to confuse people "No age-based annual price rises"

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.

Trupanion is associating a preexisting right leg issue with the left leg which was never an issue with my cat.

Trupanion is very, very expensive, and the premiums keep going up for no reason.

My claims form apparently when through some automated reviewing came up with a totally erroneous conclusion. Aspen went in for hemorrhagic gastroenteritis and you came up with 3 diagnoses: diarrhea, motion sickness & uveitis. Where in the world did you come up with those other 2 diagnoses?? there is no mention of either problem in the records. Then you took off $250 for each diagnosis leaving me with a huge deficit to pay. This was not the first time this happened either--once before you did the same thing--making up diagnosis that was not true. A top notch insurance system should not be working so inefficiently Please do a better job

Every time I submit something, they tell me that it’s not covered. I’ve been spending money on this insurance for so many years, and it’s just been $$ down the drain while I pay full price at the vet.

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.

Hospital coverage was great however, the vet hospital asked me to make a decision about my pet from a price range which was outrageous BEFORE the Trupanion insurance coverage was applied. I don’t understand why they can’t run it thru for coverage and tell you exactly how much they’re going to charge you AFTER the insurance pays upfront so you can make a proper decision for your pet!!! As you checkout it literally goes thru within 1 minute. Odds are you’re going to get your pet the full treatment it needs once you realize that AFTER the insurance goes thru the price isn’t quite as horrific! It’s not like human insurance that can take months to shake out. It’s just not a good way to make a proper decision for your pet’s care.

Customer service needs considerable improvement and attention. Also, incorrect information is often shared.

Trupanion is fine... sometimes. Over the past two years it appears they are desperately trying to not pay claims.