1-YOUR PLAN IS NOT ACCEPTED AS A PAYMENT OPTION WHEN CHECKING OUT AT THE,VETERINARIAN.

I've been a Trupanion member for 15 years. The coverage plan is straight forward and I had very few issues over the first decade. However, the steep rate increases over the past three years have been alarming. The justification for the inflated rates no longer lines up with rational thought and it feels like the loyal client base is now being taken advantage of, not being able to switch providers if pets have developed pre-existing conditions.

Expensive. Got rid of app. Vet doesn't want to take the time to submit claims.

Trupanion will insure you… until they find any excuse not to.

I have had my two dogs with Trupanion for several years. In the last 2 yrs my premiums have increased overall by just shy of 70%! Based on my most recent claims experience, I will be cancelling my policies at the end of this month. I have a $200 deductible and 90% coverage and in the few (2) claims I have needed they have fallen short of my expectations. Most recent claim for cracked teeth requiring extraction estimated at $2000, of which Trupanion only will cover $900. Trupanion does not make my policy document available to read via mobile website and SURPRISE! they won’t cover all of the anesthesiology scope (only half) because the Vet included a cleaning in the estimate scope. Buried in the vague, generalist info the policy says you may be prorated for certain scope. So, now, based on the principle of the situation, I have spoken to my Vet and she is quite surprised and is willing to remove the cleaning (Tooth prophylaxis, polishing and fluoride). This is the only way Trupanion will pay the full $638 for the anesthesiology in full. I have spoken to multiple managers (Boomer (yes, that’s actually his name! And Aaron) to no avail. These managers consistently tell you your only recourse is to increase your deductible so you’ll pay less per month. This would just shift the risk back to me. I have pleaded with them to embrace a culture of customer SATISFACTION in their business model. There is no interest in measuring, nor following up on customer satisfaction in any instance. Annually, I receive and email outlining the consistent increase in my policies stating that although my dog will not be discriminated by age or claim volume. One minor claim prior. Apparently my postal code region in rural Nova Scotia is a hotbed of Vet price increases (although my bills for wellness have shown otherwise) and there are many “unlucky” pets out here who are subsidizing the costs of “lucky” pets. This is their explanation: my dog is “unlucky”, yet there have only been now 2 claims in more than 8 years with a 70% increase in premium. Do yourself a favour - take the advice of Consumer Reports. There isn’t a single pet insurance company they will recommend. Not one! I’m putting my $140 every month from now on in a tax free savings account. I encourage you to look at Trupanion’s company balance sheet to see where they stand: Q1 2025 - operating at a loss. Q2 likely the same (Aug 7th earnings call). Company CEO and COO are selling their company shares a lot this year - CEO Margaret Tooth sold ~15000 shares alone! She seems to be anticipating a drop in share price with Q2 earnings announcement. Wait and see and steer clear of this stagnating company.

If I could have given a zero I would have. I have never done pet insurance in the past so I was willing but skeptical to try the 30day trial from trupanion offered through my vet. My dog is 6months old and in perfect health. In my first visit with my vet, I mentioned to the vet tech I would like the vet to take a look at his skin and ensure there were no allergies or illnesses of any concern since he scratches more often than my previous pup did. My vet gave him the all clear with no issues or concerns whatsoever. Upon his 2nd visit 2 weeks later for another round of vaccines the vet notice he had the start of an ear infection, giving him medication and ultimately submitting the claim to trupanion. I received an email notifying me the claim was denied due to "a preexisting condition". When I contacted trupanion they stated that the vet tech records stated my concern of itching and therefore my dog has allergies which is preexisting to the insurance. I informed them he has not been diagnosed with any kind of allergies and an inquiry to my vet shouldn't allow them to self diagnose my dog with an illness they feel he has. I informed my vet regarding the issue and they created an addendum stating my dog had no allergies nor any signs of allergies and he is in perfect health. They than recommended I appeal the decision. I spoke with a new agent who stated they don't accept addendums. She also stated they don't diagnose diseases or illness. Seeing how my vet never diagnosed nor mentioned the possibility of allergies to me or in his notes, trupanion took it upon themselves to label him as having allergies to get out of paying anything that can "fall under the umbrella of allergies". This seems to do with anything that can cause a dog to have an itch. I am grateful this occurred during the 30 days trial, but am very discouraged from pet insurance as a whole.

Your pricing definitely wasn’t clear and your customer support wasn’t helpful. We had an emergency and expected a lot more of you and only saved a small portion. It’s not worth the premiums I pay every month.

I have had Trupanion for my pets for over 10 years, and more and more recently claims are being denied that should be covered.

There have been several times a deductible was charged to my account that should not have been. I’ve also seen procedures listed on Trupanion’s invoices that were not correct. There have been many times I have had to wait for a payment to be processed. Also, I have to wait tooooo long for a correction to be resolved.

I love that I had your 30 day trial. Helped me lots with my pups broken leg. But I requested multiple times for option packages so I can continue the insurance and maybe add another pup. I got no response!! My trial is running out .