Trupanion Pet Insurance Review
286 Customer Comments & Reviews - see all comments
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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 if they get sick or injured, and also covers additional items like prescription pet foods, orthotic devices, and carts.
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286 Customer Comments & Reviews
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Trupanion was represented to me as among the best for if I was ever in the need. Their price (I pay $50/mo for $150 deductible) was also among the highest. You get what you paid for right? Well they still may be very good- who knows. But after about 4 years of this almost double priced insurance, I needed help with my dog's surgery. Trupanion has tricks up their sleeve like any other big business- tricks that enrich them greatly. They considered their deductible "per condition" and not per year or per incident like you're used to with auto insurance. After considering almost every incision in my dog a separate condition, they got me for the deductible times three! After the deductible was... Read More
VERY DISAPPOINTED: If your pet isn’t 100% healthy, then don’t waste your money like I did. I thought I was getting a solid peace of mind for my pet, it didn’t happen. Years of paying for a service that denied 2 claims based on the same pre-existing condition. The second denial was the hardest as an appeal was made and they dug until they could re-deny it again. I say, save the monthly fee in the bank, earn interest and you’ll have the money for your Vet bills. This will be my future plan.
BUYER BEWARE. Trupanion will tell you everything you want to hear to get your business and then try their best not to cover your pet when there is a problem. If you get a certificate from a rescue or shelter with a trial period they will honor it and tell you that you have no waiting period and then when you take your dog to the vet with an issue they will back track and tell you OOPS it wasn't a valid certificate there is a waiting period. I've see insurance companies for people be jerks before but honestly nothing as blatant as this.
In Trupanion policy guide they state "This annual adjustment will never exceed 20% in any given year." We had increase from $30.34 to $49.91! I called and inquired and they said, oh thats our policy for everywhere but New York. There is nothing in their policy guide that states there is an exception for New York. We have a young healthy cat, we have never filed a claim. This rate hike is outrageous. How can you trust a company to be there when your pet is in need, when they don't follow their own rules.
Stay away from Trupanion! They sound great up until you put a claim in. The claims process isn't as quick as they lead you to believe and my dog (5 y/o GSD) simply tweaked a muscle, but they stated that she has hip dysplasia. The vet even wrote a letter saying that the injury was soft tissue and not pre-existing, but Trupanion continued to deny coverage. My dog does competitive obedience, dock diving and Schutzhund... not sports a dysplastic dog could easily do. Read the Yelp reviews for Trupanion and stay away from this company!!
When we took our Chihuahua puppy to our Vet the 2nd day we owned her, we saw the Trupanion applications on the counter and took one. We applied that evening after getting a quote. About a month after the waiting period our dog dislocated her right rear leg. The Vet diagnosed her as having a luxating patella and required surgery. We told her we got the insurance. She said I'm sorry, but this is considered hereditary and not normally covered by pet insurance. We went to the specialist who said surgery was required. We told her we had the insurance and she also stated she didn't think it would be covered. They offered a credit plan so we filled out the application and was approved. The... Read More
This is the typical Insurance company that will bury you in paperwork and have their claims adjusters try to find any reason not to pay your claim. They truly suck and market themselves as pet lovers all along they just don't pay you for any claim. They care more about the profits than the pet's health in my experience.
I haven't found what you state here to be my experience. I have had this for 6 years. Started at $21/month and now $50 a month. Nothing is covered as was originally stated. They do put limits on a disease or illness such as my dog's lyme disease. I have gotten nothing reimbursed after paying my deductible. when you ask why the increase each and every year they tell me the adjustment for my areas costs. We all know that is not the truth. Customer service has also been an issue. I could make this even longer with details but don't wish to do that to you. I would go with the highest rated if I were you. This has not been a pleasant experience for us for the last 6 yrs. (we got this when... Read More
I insured both of my dogs with Trupanion. The people I dealt with on the phone were always pleasant and cordial. However, when I made my first claim, Trupanion went out of their way to find an excuse not to pay. I wrote my vet saying that if Trupanion's argument were legitimate, I would understand, but if not, I asked her to call Trupanion. My vet told me that Trupanion had no interest in what she had to say. My vet, therefore, told me to drop the insurance, and that she would recommend against Trupanion to all her patients. I cancelled by email and fax, giving a date for cancellation. Trupanion did cancel, but not on the date requested.
NEVER NEVER USE TRUPANION!! As previous reviews have stated, you pay your premiums and get absolutely no service whatsoever. They will never cover anything for your dog, and find EVERYTHING that points toward a 'pre-existing condition. READ THE FINE PRINT! They can use any OBSERVATION made by a pet owner even 18 months prior to any vet appointment or official diagnosis. I filed a complaint with the BBB and Trupanion hides behind their policies and gave this pathetic reponse (in part) to my stating they extorted money from us only to never pay anything for our dogs finally diagnosed condition... "We understand how heartbreaking it can be to receive an ineligible claim when your... Read More