Trupanion Pet Insurance Review
Trupanion (NYSE: TRUP) is a self underwritten pet insurance company based in Seattle, Washington that sells pet insurance for dogs and cats. Founded in Canada, the company expanded into the United States and Puerto Rico in 2005. Trupanion offers policies that cover your pet i f they get sick or injured, and also covers additional items like prescription pet foods, orthotic devices, and carts.
ConsumersAdvocate.org Rating: 9.6 / 10 (Excellent)
282 Customer Reviews - see all reviews
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Woodland Hills, California
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
Four Oaks, North Carolina
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
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
San Jose, California
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
I've had five dogs insured with Trupanion in the last six years. After having a dog with bone cancer and paying five figures for her care, I decided I'd never be without insurance again. A friend of mine recommended Trupanion so ... I signed up! I've filed claims for arthritis, cysts, GI issues, liver disease, spinal disease and three cases of cancer all covered at 90%. Thousands of dollars in claims paid as oncology is expensive. $16k for my last cancer dog and Trupanion paid over $14k of it. I think what people need to understand is that this is not for routine care. This is for the unexpected stuff! Luckily, my third dog is healthy and I have only filed one small claim... Read More
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
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
New York, New York
I have found that Trupanion can be a helpful provider, but when they make a mistake--as they did once with me--it took me several months of repeated calls and emails to have them redo their paperwork, despite the fact that a clerical at Trupanion had miscoded some paperwork. Had I not persisted, I would have paid hundreds of dollars. Just last month they raised my premium 35%--when I telephoned to inquire, I was told this was based on my dog--an English Springer Spaniel, age [she's 8] and the cost of vets in my area, New York. In fact, office visits at my vet have not gone up. I have yet to be given an honest and credible explanation for this significant increase. When they're good,... Read More
San Luis Obispo, California
Trupanion has proven time and time again to be a great partner in keeping our Stella healthy and happy! It is key that we continue to work on prevention with our little girl and Trupanion has supported us the entire way. Claims are easy, paperwork is quick and turnaround is amazing. I hope they add "people" insurance soon. I'll be the first to sign up.
The person with whom I worked (Brian) was extremely helpful and could not have been nicer. My checks arrived immediately. I highly recommend this company and am very pleased that I have insurance with them.
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