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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.
- Unlimited payouts and no caps on coverage
- 90% reimbursement on the amount billed by your vet
- Direct-to-vet payment at time of checkout available to limit pet owners' out-of-pocket costs
- Per-condition deductible can reduce pet owners' expenses for chronic conditions
- Fast reimbursement
- No penalties for filing claims
Latest Trupanion Reviews
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
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 !!!
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
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!
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
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
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
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 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
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.
Buyer beware - Do NOT purchase Trupanion insurance. We have had it for two years now and they have covered next to nothing. Our dog just had a $5000 Lens Luxation surgery. She had had the same surgery in the other eye prior to Trupanion coverage. At the time we purchased Trupanion, the representative assured us that should a similar surgery be required in the other eye, it would be covered because the other eye does not represent a prior condition. Trupanion isn't paying a dime. Our vet is fighting on our behalf and says it 100% is not a prior condition. Do NOT get this "coverage" for your pet.
Are you kidding! This is the worst insurance for pets. They have come up with any unrelated excuse to deny my claims! Example...they used a urinary tract infection to deny a claim for diabetes insipidis....they used a heart murmur to deny a claim for an arrhythmia a d pleural effusion....totally not in the ballpark...ony relation to all if it is that my girl has a heart.... seriously...and they raised my rates every time there are claims. Stay away from them. My rating for them would be negative stars I gave them one star because this site makes me put a star to post.
The free trial is really false advertising. The fine print says no claims will be paid during the first 30 days of sign up. Therefore - not really free is it? Its false advertising. My puppy came with a free trial and when I could not activate it, then I called in and was told that it only activates upon visiting the vet first and then activation within 24 hrs of that visit. So I went to the vet with them, then I registered them online. A week later, one of the puppies had low sugar and diarrhea. Trupanion wont cover the vet emergency as they said I did not activate the certificate within the time period (which I did according to the rep on the phone) and secondly, it is a precondition?... 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
My beloved Milo is almost 2 years old. He is a Shih Tzu which I acquired when he was about 6 weeks, a total beauty. When I visited the vet for the first time I realized how expensive it was and at the time he had no conditions. I mentioned that pets should have insurance and the secretary at the clinic gave me a pamphlet which I read and called immediately. I have no regrets. My baby has dermatitis, and has to be going in to the vet every 6 weeks to get a shot, he is only allowed to eat a protein diet. It was the best decision I made on his behalf. The claim process is easy and I have recommended to all my pet lovers. PS PLEASE SEND THESE PAMPHLETS TO THE VETS IN PUERTO RICO... Read More
Beware that Trupanion has an absolutely brutal pre-existing condition policy that they abuse to deny claims. From their website: "The Trupanion policy defines a pre-existing condition as an illness or condition that first occurred or showed symptoms during the 18-months before enrollment or waiting periods. A pre-existing condition can also be an injury or reocurrence of an injury that happened during that time." From my experience, they use this exception liberally. Examples: if your dog was ever treated for irritated or cracked pads on their paws (like what can happen when they get wet and raw during winter conditions) or an ear infection, then they'd assume that either of those... Read More
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.
They all of a sudden raised my premium from 41 dollars a month to 70-appartenly they sent me a notice via e mail-I looked through all my records-no email. Now they won't credit me back and basically told me because I live in an affluent area the premiums are higher and that in CA says they don't have a cap so basically they can charge what ever they want-I'm canceling and going with healthy paws
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.
One of the best thing I every did for myself and my puppy was to get Trupanion Pet insurance. Whenever my puppy goes to the vet, a bill is submitted to Trupanion, and if anything such as tests, medications, etc, is related to her medical condition, I receive a reimbursement check within days. Wellness visits and regular immunizations are not covered. Prior to the puppy I have now, I had a rescue dog that lived to be 16 1/2 yrs old. In all those years, she only went to the vet once a year for her annual shots & check-ups. But when I got my puppy, the vet discussed the insurance and despite reservations, I took out the policy. The best thing I ever did and I tell everyone I know who has a... Read More
My eight month old puppy needed surgery and my veterinarian's front desk took care of my claim and deducted what Trupanion was paying. It was the easiest claim process I've ever experienced with any insurance company! I highly recommend Trupanion!
The policy is written in such a way that any symptom or behavior can be manipulated into a pre-existing condition. Look at this sentence: pre-existing conditions per Trupanion are "9.B.i Illnesses or injuries for which signs or evidence of their potential manifestation existed within the 18 months prior to the policy enrollment date." Did you get that? "Potential manifestations" gets them out of paying anything unless your dog was insured the day you got him and before he ever visited a vet's office. My schnauzer had been insured for a little over 3 years when he started having severe rashes on his abdomen. He couldn't sleep they were so bad. He just cried. So multiple vet visits... Read More
After over 6 years of dutifully making payments totaling in excess of $11,000 my family learned (the hard way) this Ponzi-scheme of a company applies their $500 deductible to EVERY CONDITION on an invoice. The ONE invoice submitted after six years these scammers paid just $508 having applied $2000 in condition deductibles on single invoice. Why have pet insurance with Trupanion you might ask; to set your money on fire it would seem, as I will now do with my former policy. Never, ever, ever, again will I recommend this company, borders on theft. I'm disgusted and disappointment.
Simple Review, Rate went up from $99 to $156 from one month to the next. The only reason given was that vet bills have gone up. The only way I could get my monthly premium down was to up my deductible to $1000.00. Now, I have a new premium of $115.
I'm currently looking for new pet insurance. I've been looking into Pumpkin or Nationwide.
Trupanion Pet Insurance - Everything is deemed pre-existing. I have a pug. Pugs are one of those brachycephalic breeds of which there are many. One of the abnormalities of being brachycephalic is stenotic nares (their nostrils are really small and close together). When I got my dog at 8 weeks I immediately took him to the vet for a checkup and to start that relationship going. The doctor noted that being a pug he could develop stenotic nares. The vet recommended Trupanion. Didn't know at the time that Vets get money for customers that they get to sign up for Trupanion.w He was 100% healthy. A week later I signed up for pet insurance through Trupanion. Fast forward two years and my dog... Read More