Trupanion Reviews 11.125

I received the insurance reimbursement less than 24 hours of submitting the claim.

I signed up for the 30 day FREE offer and then went to continue coverage had a financial hardship come up so I had to cancel the next day. Well guess what that 30 day free offer wasn’t actually free they charged me $50 and didn’t give me the full refund they promised!!! I got an email saying if you cancel within 30 days you get a FULL REFUND!!! This isn’t true they are scammers that want an arm and a leg to cover your pet. Just go with care credit and another insurance that doesn’t overly charge you and tell you lies! These aren’t people who care about our pets they care about your money and will go against the emails they send. Don’t believe anything they tell you!!!! The claim they said that happened during the supposedly free 30 days was never processed I still had to pay with care credit and told them to cancel the claim since I had to pay anyways out of pocket which is against the point of having their insurance. Worse experience ever with them!

Trupanion met all our needs when we had to take our dog to the emergency vet and the visit revealed a much more serious and unplanned issue that required surgery. Trupanion insurance was there when we needed the coverage. The claims process was easy and payments were received quickly. Because our veterinarian worked with Trupanion, the claims were submitted to Trupanion directly by the vet hospital. We appreciated the great customer service received as well.

Getting Trupanion ended up being one of the absolute best decisions I ever made. I'm sitting at home with my boy Puck right now because of Trupanion, no exaggeration. Pucks Parvovirus treatment ended up requiring over 2 weeks in the hospital, followed by in home care, and I couldn't have handled the financial burden without Trupanion on my side. They paid the vet directly as well, so I could focus on his care, not on the money. Words can not describe the level of gratitude I have for Trupanion after this experience. I recommend them with every fiber of my being.

Trupanion is simply the best pet insurance, and I cannot recommend them highly enough. Our Bichon Frise has Cushing's disease and has incurred quite a few medical bills over the last four years. We simply email a copy of the vet's bill, and a check comes a few days later, no questions asked. It is no exaggeration to say they have been a blessing and have helped extend our beloved dog's life. Thank you.

I have had the insurance a few years and this was the first time I needed to use it on a fractured tooth.
The process took a few days which was a little surprising.

It was simple to file a claim online. It was approved within 24 hours and the check was received within a week. It doesn't get much easier.

I was only a member since October 2025. My dog had a full blockage of his intestines. They approved my dogs emergency surgery in minutes and saved his life. I will forever be grateful and thankful to them and customer for life.

My dog was having repeated episodes of respiratory arrest, and would have died that day without intensive in-hospital care and pricy specialized surgery. I was able to get him the help he needed with the help of VetDirect pre-approval, which processed in real time within a few minutes. There was no panic of whether I could raise funds while he was struggling to survive. It's a week later, and he's not just surviving but thriving.

Excelente 👌

It’s basically catastrophic insurance. To pay $120/mo then have a $550 deductible PER CONDITION, then to be told it doesn’t cover the office visit when our dog sliced his foot and needed stiches, doesn’t help us much.

You guys helped so much on the procedure and I’m grateful

Trupanion was a great to us, until our dog was diagnosed with a long-term illness. At that point, our experience took an immediate turn for the worse.

We were forced to open an appeal, and the entire process was extremely frustrating to say the least. While their general customer service team was always kind and helpful, the appeals team was the complete opposite.

Our dog had been going back and forth to our vet for quite some time due to chronic skin issues. Like most people would, we initially suspected allergies. However, when treatments for allergies were not solving her ongoing problems, our vet began testing for other conditions to try and find the underlying source. It became a bit of a trial and error process for a while, with multiple speculations put forward, until we tested for Cushing’s disease and completed the full blood testing process, and the result came back positive.

Skin problems are typically a very common early sign of Cushing’s, so this diagnosis finally explained the root cause of our dog’s ongoing issues. Myself, not being in the veterinary field of work, I had no idea what Cushings was or any underlying symptoms, but I’m sure that any veterinary could tell you this and would encourage testing if all of the more common issues, such as allergies, were still not solving your pets ongoing concerns.

After months of vet visits related to this condition, we had already long met our Trupanion deductible. However, once Cushing’s was diagnosed for these ongoing issues, Trupanion suddenly claimed this was a “new condition” and required us to pay a second $1,000 deductible. This was despite our vet clearly stating that the skin issues had likely been caused by Cushing’s all along. She even had a second veterinarian at our clinic validate this opinion.

We opened an appeal with encouragement from our vet to do so, but it was dismissed and closed within just two days, after initially being advised it’s a long process to ensure a detailed review is completed. The person handling our case even told our vet, “I don’t know why you’re calling, I’m not reopening this appeal anyway”. After my vet had went out of her way to schedule time in her busy calendar and even confirm that time worked for the appeals contact.

What followed from here was a long and exhausting process. We made countless calls and were given different information each time. We complied with every request Trupanion made. Our vet contacted them on three separate occasions and provided written documentation supporting her diagnosis. Despite all of this, Trupanion still chose to disregard her professional opinion as well as the second vet’s.

Instead, their internal vet reviewed our dog’s history and concluded that, because allergies were mentioned early on, the condition “could have been” allergies all along. This was despite having a confirmed diagnosis of Cushing’s disease and allergy treatments that never did solve her ongoing issues on record.

Our vet challenged this reasoning, pointing out that while it’s technically possible it could have been allergies, a confirmed diagnosis and lack of response to prior treatment made Cushing’s the far more likely cause. She even asked whether the company should give the customer the benefit of the doubt in a situation like this.

Trupanion still sided with their own vet and forced us to pay another deductible.
In the end, we were sent in circles, asked repeatedly for verification from our vet, which was provided multiple times, only to have that professional input completely ignored. It felt like a deliberate attempt to justify charging us again with very little clarification on their end, simply a “well it could have been”…

The lack of consistency, professionalism, and basic understanding throughout this exchange was incredibly disappointing. Every contact we spoke with during this process seemed to provide different instructions and lacked clarity regarding the appropriate steps within a situation like this, and despite fulfilling every requirement from Trupanion, the outcome always favoured for the company.

This experience felt very unethical and not in line with fair treatment of customers. I would strongly encourage anyone in a similar situation to consider filing a complaint with the appropriate regulatory body so that these cases can be properly investigated.

Why request confirmation from a licensed veterinarian if you’re going to ignore it? How can two qualified veterinary opinions be dismissed in favor of speculation? And how is it acceptable for their own vet to overlook well-known symptoms of a diagnosed disease?

This situation raises serious misconduct concerns for how this company chooses to handle claims, appeals and any disputing professional opinion.

The vet will normally give me two options, one that’s most cost-effective and one that is the best. I always get to pick the best care, no matter the price! My claims are always processed fast and my reimbursements as well. I couldn’t be more pleased.

Really furious at this. My dog has been with Trupanion since she was a pup she’s almost 5. I pay every month before the month finishes never one month where I have missed a payment today I get some random email to say my dogs insurance has been cancelled I got no call to advise me. I just get an email it’s been CANCELLED!!! Why ? I never miss any payments even if it’s late I always pay my dogs monthly insurance I have emailed you back I want action taken asap !

No problems encountered with claims.
Thank you.

The app makes submitting claims so easy and takes no time at all. I think it makes the whole process stress free! Thank you for allowing us to have easy and instant results.

Appreciated the ease of direct to vet pay during my cat's emergency. However, I was very dissatisfied with the refusal to cover a (expensive) sedated diagnostic procedure because Trupanion unilaterally decided to categorize it as a non-covered visit/exam fee, despite multiple calls from the vet's office trying to explain to them that it was a PROCEDURE not an exam. Disappointing.

Can't say enough positive things. Payments were complete and fast. Any time I had an issue or question, the staff was kind, accommodating and helpful! Made a very stressful situation so much easier!

Payment was prompt to Rocky’s vet.
It took only seconds for his vet to get a response for amount of payment. The vet’s office said that they are always pleased with your company’s quick response. Reps are always very helpful and willing to work with you. So glad that I did not change companies.