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Trupanion Pet Insurance Review
313 Customer Comments & Reviews - see all comments
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Trupanion is a Seattle-based pet insurance company that sells medical insurance for dogs and cats. Trupanion policies are underwritten by American Pet Insurance Company. Founded in Canada, the company expanded into the US and Puerto Rico in 2005. Trupanion offers policies that cover your pets if they get sick or injured, and also cover prescription pet foods, orthotic devices, and carts.
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I had purchased a new puppy. Took him to the vet one day after taking possession of the dog for a full physical examination. Received a clean bill of health. Went home, enrolled with Trupanion under their promotional deal offered to me by my veterinarian, which waived the initial registration fee and effectively enrolled my pup immediately. Approximately six to eight hours later, I had to rush my pup to emergency vet services because he went into respiratory distress and had vomited. He was so sick, he was hospitalized overnight. I come to find out that my pup had developed pneumonia from two infections, Bortadella, even though he has received the vaccination, and Respiratory Corona Virus.... Read More
130 People found this helpful.
This company spends their money on reps visiting your vet so the vet will recommend this scam insurance to clients with new puppies! Do NOT fall for this , anything you mention to your vet will be pre-existing condition. Their other tactic they use is when you call to join they will offer big PROMO discounts on deductible if you join AFTER vet visit. They will discourage you from joining before the visit . Anything discussed with your vet will be considered *pre-existing*. If your vet recommends this insurance to you , ask them why ...and please please rethink your vet !!!
81 People found this helpful.
Spent more money to them than any claims they covered! After an incident with my dog costing over $1600, I got insurance with Trupanion to be prepared. They covered minor things here and there when they came up, but every year my policy increased by over $10 per month. When I went to cancel they tell me if I ever try to reinsure it will be at her new age, not when she signed up. How does that save me?! you increase the rate every year! Finally, my dog needed some behavioral therapy (as included in her plan) and I was denied! Told she did not meet the waiting period, behavior is an illness not an accident (again..not listed in their policy!) etc. etc. I have spent FAR more for insurance... Read More
68 People found this helpful.
We purchased Trupanion insurance 2 years ago when our 2 dogs were pupppies. We have yet to submit a claim that hasn't been rejected citing "preexisting condition." In addition to the insurance being absolutely useless, our premiums have gone from ~ $90 to $165 in just 2 years. For what? We haven't even been able to use it. Please read reviews on Yelp and Consumer Affairs. All those reviews are pretty much the same story as ours. TRUPANION IS A SCAM!
62 People found this helpful.
READ THE FINE PRINT. There are better insurance companies out there…. I really wish I could have wrote a good review for this company, but it is pretty obvious that they will find any way not to help its paying customers. For all of those considering Trupanion, please be sure to read the fine print before signing up – specifically “Once you meet the Deductible amount for a specific Illness or Injury, this policy will pay out all future losses for that specific Illness or Injury”. Simply put, be prepared to pay multiple deductibles for each illness/injury your pet may acquire, and don’t be surprised when Trupanion tries to find a way to separate similar treatments to make you pay multiple... Read More
61 People found this helpful.
My dog developed a chronic illness which would cost Trupanion more each month than our premiums. This was something which Trupanion would not allow. So, when it came time to renew the policy (which is done every year), they just didn't renew it. When I spoke to them on the phone, I was given multiple conflicting "explanations" but in the end, the reason was simply that my policy was not profitable. So, they dumped it. (this was confirmed by a supervisor in a moment of surprising candor) I also learned that they use this non-renewal as a way to dump all pets when they reach 14 years old. There has been a clear change at Trupanion, a move to raise profits at the expense of pets'... Read More
53 People found this helpful.
My labrador retriever was diagnosed with hip dysplasia 6 weeks ago. She has been a Trupanion customer for 16 months. She is 5 years old. She was denied coverage for this condition due to it being a pre-existing condition (she had never been diagnosed with HD before). My vet disagreed with Trupanion and sent letters to Trupanion in my support. HD is easily treated or resolved with surgery, but it is expensive. I cannot afford to treat her, and this is exactly the type situation which causes me to always buy pet health insurance. The appeal was denied by Trupanion, despite the rational and convincing arguments the vet made. Because of Trupanion, my sweet girl will only live about 2... Read More
44 People found this helpful.
For 15 years I covered my animals through Veterinary Pet Insurance (now Nationwide Pet Insurance). I was fairly satisfied with their benefits, but when a cat recently maxed out on his benefits for renal lymphoma I decided to switch my other animals to Trupanion because they claimed there was no maximum on benefits. Four months after enrollment, another cat was diagnosed with small cell lymphoma in her intestines and Trupanion is denying my claim totaling over $6000 because the cat was long ago diagnosed with food intolerance for which she has been symptomless on a select protein diet for 9 years. Two other (fortunately benign) conditions that were not in her digestive tract were... Read More
36 People found this helpful.
I have been a Trupanion customer for seven years - beginning when my dog was 2 months old. In late Jan/early Feb I changed my email, phone number, and address. Every now and then I would skim through my old email account to see if there was anything of importance. One of those times was Fri, June 10th. That's when I noticed an email from Trupanion dated May 15th notifying me that my policy was cancelled. I immediately contacted Trupanion and asked that my policy be reinstated. The representative advised me that it could not be reinstated and that I would have to re-enroll at a much higher cost. I mentioned that the policy hadn't even been cancelled for a full month and he said it... Read More
36 People found this helpful.
Thankfully I haven't had to use yet, I had 0 deductible policy on my dog, at beginning of this year they increased my premium and now I have a deductible. So no I'm not happy about it.
20 People found this helpful.
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Our Partner
- No enrollment or administrative fees
- Accidents, illnesses & emergency care
- Most claims are processed within 2 days
- Flexible premium & deductible options