Reviews

Review Details

• Review fromRachael H

  Date: 03/07/2025

  1 star
  We have only submitted a claim once for our cat, they didnt pay it, and premiums went up. You cant cancel online. They make you call to cancel, then they force you to have a conversation with an aggressive sales person who wont let you cancel and keeps you on the phone. Do not recommend.

• Review fromSteve S

  Date: 02/26/2025

  1 star
  We have a puppy less than 8 weeks old figured insuring him right away would save money. Wrong. it is almost 70$ a month for a mixed breed. He got sick and took him to the vet 320 in first bills, made a claim, was shocked to find out, that they do your deductible PER DIAGNOSIS. So that means anyone who pays for this insurance, will have to pay a ton up front. Then they taught it as being lifetime deductible so you never have to pay again for that diagnosis. The problem is there are thousands of things he could be diagnosed with, and they are going to make sure each is a new instance that has to have a full deductible for. The only way this is going to be worth it is to insure a puppy and by the time they are very old and have bad medical issues, will you be able to actually get reimbursed for anything. This seems like a total rip off to me.

• Review fromMichael S

  Date: 02/21/2025

  1 star

  Michael S

  Date: 02/21/2025

  Classic insurance company Will deny coverages for existing conditions but charge you like your getting covered for absolutely everything. I think my premiums just about doubled in 6 years with no ********* personal experience would have cost me over 7000 dollars for the term of my policy to be rejected on my first and only claim to cover to euthanize my pet versus putting him through a 3rd back surgery which wouldn't have been covered by them either. Appearntly if the reasoning for being euthanized has anything to do with a prior condition they won't cover it......it's not about the couple dollars I didn't get reimbursed but more about the slimey reasoning that they use to justify this denial all while keeping their hands out for your ever increasing monthly ********** yourself a favor and put the equivalent In a savings account.
  

  Trupanion

  Date: 02/26/2025

  Hi *******,
  
  Were so sorry to hear of your pets passing, and our team is keeping you in our thoughts through this difficult time. We know we've been in touch on another platform, and we wanted to respond here as well. We understand that we havent provided you with the experience that youd hoped for, and your concerns are important to our team. Please know that were always available to review your specific claims situation and feedback with you directly in further detail so that we can offer our condolences and support. You can reach us anytime at ************* when youre ready if youd like to speak with us further. Our team is here for you 24/7.
  
  Take care,
  The Trupanion Team

• Review fromElizabeth M

  Date: 02/18/2025

  1 star

  Elizabeth M

  Date: 02/18/2025

  Unfair rate increase and support to give to show their customers its fair. horrible horrible horrible
  

  Trupanion

  Date: 02/19/2025

  Hi *********, 
  
  We take your concerns seriously, and we appreciate you sharing them with us here. We understand it's never easy to see a change to your monthly cost, and we appreciate the opportunity to provide some additional information here. 
  
  We'll always base your pet's monthly cost fairly and accurately according to their unique factors that are documented at the time of their enrollment, as well as your chosen coverage options. We'll regularly review our pricing to ensure it continues to support the unlimited payouts we promise to every pet we protect. If we find that our pricing no longer supports the level of coverage we provide to our members, we'll move forward with the difficult but necessary decision to adjust our costs. By doing so now, we ensure that no matter when your pet needs medical treatment, we'll always be able to be there to offer our support without any caps or limits. 
  
  Your situation is important to us, and we want you to know that our team is always available to review your situation with you in further detail to offer our support. Please call us whenever we can help at ************* - we're available for you 24/7. 
  
  Take care, 
  The Trupanion Team

• Review fromJustin M

  Date: 02/17/2025

  1 star

  Justin M

  Date: 02/17/2025

  I agree with the others distrust and disgust in Trupanion. We picked up our 6 month old female doodle and went to the vet that same day for a checkup. The breeder we got her from supposedly works with trupanion and was covered for 30 days. We called and set her up with an insurance policy that same day, if not the day after. Her initial diagnostics at the vet visit caught that she had hookworm. I submitted invoices to Trupanion and they told me that wasn't covered due to it being "preventative". The breeder was notified and ghosted us when we mentioned the issues. Trupanion told me I needed to go after the drug companies themselves. In addition, my dog was seen for a UTI twice, and was put on a prescription diet. Those invoices were submitted and were partially applied towards individual deductibles based on condition. We have paid a total of $944.72 to trupanion, in addition to all the other costs that we have incurred with our pet. Trupanion has paid us $0.
  

  Trupanion

  Date: 02/19/2025

  Hi ******,
  
  Were sorry to hear that your pup needed medical treatment, and we hope that shes feeling much better now. We understand that we havent provided you with the experience youd hoped for, and your feedback is important to our team.
  
  Our coverage plans are here to help with the unexpected treatment costs when pets are sick or injured. While we dont cover treatments for some parasites for which preventative products are available, such as hookworms, please know that this doesnt affect our ability to help with new and unrelated issues that may show up down the road.
  
  We take your situation seriously, and we hope that youve been able to connect with us directly for the best support and information possible regarding your account. Please let us know whenever we can offer any additional assistance by giving us a call at ************* were here for you 24/7.
  
  Take care,
  The Trupanion Team 

• Review fromJaimie M

  Date: 02/17/2025

  1 star

  Jaimie M

  Date: 02/17/2025

  Trupanion denied my Cats dental claim due to preexisting conditions even when my vet sent a letter proving and stating it wasnt. I called to cancel and they harassed me over the phone. Claiming they never got the vets email, saying I shouldnt cancel, and explaining what preexisting conditions me-!z Ive tried canceling for over 20 mins. Finally said if you dont cancel Im going to report you and hang up. Finally when they canceled my policy they didnt even refund me the entire premium they charged. They since raised my premium almost $10 this year and they didnt refund me what was paid. Never again am I using this scam of an insurance company! Save your money!!!
  

  Trupanion

  Date: 02/18/2025

  Hi ******,
  
  Were sorry to hear that your kitty needed medical treatment,and were sending wishes for a smooth recovery your way. We take your concerns seriously, and we always want you to feel supported through every interaction you have with our team. We know that we've been in touch on another review platform, and we wanted to respond here as well.
  
  We understand that youve decided to cancel your pets medical coverage with us, and we want to assure you that as part of our cancellation process, you will receive a prorated refund to your billing information on file and a confirmation of cancellation to your associated email address once your request is finalized. Please know that our team is always available to review any remaining concerns you may have with you at anytime to offer our support. You can reach us 24/7 at ************* now or in the future.
  
  Take care,
  The Trupanion Team
  
  
  
  

• Review fromJennifer B

  Date: 02/12/2025

  1 star
  Be very careful about purchasing the "Recovery and Complementary Care Rider" with this Company. Healthy Paws has a very similar rider and I had no problem getting reimbursed for Hydrotherapy for my previous dog. Unfortunately, Healthy Paws was not available when we adopted Dolly, our current dog. Details are as follows: My dog’s licensed Veterinarian recommended hydrotherapy for my dog, Dolly. I submitted her letter of recommendation and her medical plan which also recommended warm water swimming to help with Dolly’s degenerative disc disease and arthritis. The facility I go to, Fido Physio, provides regular updates to the Supervising Veterinarian and the therapy is provided by a person who is a member in good standing of the International Association of Animal Massage & Bodywork/Association of Canine Water Therapy and a Certificate of Canine Aquatic Therapy. When they denied my claim I filed an appeal with all of the above information and noted that I didn’t know of any Veterinarian Clinics that had warm water pools which Dolly’s doctor felt would be better for Dolly’s condition than a treadmill. When Trupanion denied it again they said that the therapy must be provided by “staff under direct veterinarian supervision. Alternatively, Physical Rehabilitation services may also be provided by a Certified Rehabilitation Therapist (CCRT, CCRA, CCRP, CCRVN, VMRT, Diplomate Canine Rehab from Canadian Physiotherapy Association) if referred by a veterinarian.  Because the requirement for a Certified Rehabilitation Therapist is not included in the Policy Rider, I believe the rider is made in Bad Faith. Additional expense fees are required for the rider.

• Review fromLauren A

  Date: 02/10/2025

  1 star

  Lauren A

  Date: 02/10/2025

  I completely agree with the other 1-star reviews. This company is nearly impossible to reach. I've spent over an hour just waiting on hold to speak with someone. While they offer a callback option, its not much helpyoure still stuck waiting since you dont want to miss their call and start the process all over ******** make matters worse, they mishandled my cancellation and only issued a partial refund. The good news? There are other companies that offer better service at a lower price. I highly recommend looking elsewhere.
  

  Trupanion

  Date: 02/11/2025

  Hi ******,
  
  Thank you for taking the time to share this feedback with us here. We understand that we've been in touch on another platform, and wanted to respond here as well. Your concerns are important to us, and we want you to feel supported through every interaction you have with our team. We always strive to provide our members with the best possible support when they call or chat with our team, and we understand that we havent exceeded your expectations.
  
  Were sorry to hear that youve decided to cancel your pets plan with us, and we want to assure you that well always honor the date you requested to cancel on as your effective cancellation date, and a prorated refund will be issued to the billing information on file. Our team is always available to review your account details with you further to offer any additional information or support we can. Please call us whenever we can help at ************* were here for you 24/7.
  
  Take care,
  The Trupanion Team

• Review fromRaul M

  Date: 02/03/2025

  1 star

  Raul M

  Date: 02/03/2025

  Be careful! Just like most pet insurances, Trupanion will do ANYTHING to deny claims citing preventative care, previous conditions or symptoms such as scratching. Dont be fooled by their cute pet photos or marketing. They do NOT care about your pet. They want your money and will suddenly increase your monthly premiums 50% (167 to 250) for market adjustments.
  

  Trupanion

  Date: 02/04/2025

  Hi ****,
  
  We know that weve been in touch before on another platform, and we wanted to respond here as well. Your concerns are important to our team, and we want all of our members to feel confident in the coverage plan they choose to protect their pet with, including what its here to help with.
  
  We strive to process all our members claims as fairly and accurately as possible alongside their pets complete medical records as provided by their veterinarian and our coverage terms. While we dont help with issues that begin to show signs or symptoms of starting before a pets plan is in place, please know that this doesnt impact our ability to help with new and unrelated issues that may appear down the road.
  
  We take your concerns seriously,and we believe weve been able to locate your account with the information provided here. Wed like to look into your situation with you directly to offer the best support we can, and a member of our team will be in touch at the contact details listed there. We hope to connect with you soon!
  
  Take care,
  The Trupanion Team

• Review fromMichael M

  Date: 01/14/2025

  1 star

  Michael M

  Date: 01/14/2025

  In November I cancel my service out and they try to say. I told them I will keep it but they didn't charge me in December but they try to double charge me in Jan 2025. I called them up and informed them I canceled my service out. They reimburse me for. Jan but they wouldn't reimburse me for December.And I couldn't explain the reason why they didn't try to take the payment out in December I'm actually making a claim at my bank to get It reversed.
  

  Trupanion

  Date: 01/16/2025

  Hi *******, 
  
  We understand that we haven't provided the experience that you'd hoped for, and we want you to know that we take situations like this seriously. We're sorry to hear that you've decided to cancel your pet's medical coverage with us, and we appreciate you taking the time to speak directly with our team regarding your situation. Please know that we're always available to call or chat with you further to offer any additional information or support possible. You can reach us 24/7 at *************, or via live chat online through your member portal anytime now or in the future.

   

  Take care,

  The Trupanion Team