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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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They pay almost nothing! My dog suddenly started allergy issues at over 2 years old. First was tested for thyroid because it's common in the breed and similar symptoms. They refused to pay for the thyroid testing (which was expensive), took forever to pay what little they did for the allergy testing and still haven't paid for the allergy medicine. I had insurance on this well bred dog for over a year before I ever filed a claim. One claim they had the gall to pay me $1.35 for. If they paid what they claim they will, after deductible and the things I knew they wouldn't pay for, I should have gotten back at least $800. I've gotten less than $400 and it was like pulling teeth to get... Read More
1 People found this helpful.
I had Trupanion coverage for my cat for the first year and a half I had him. It was super-convenient because my vet filed the claims directly for me. Unfortunately, not much was ever covered after the first time my cat was sick. They covered it then, but afterward anything that could be related to my cat's kitty colds was considered "pre-existing" even though they covered it the first time. The premium also increases without any notice (this happened twice, with about a $20 increase each time). The major reason for the 1-star review is for after I cancelled. They refunded the partial month, then on the same day charged way more than my usual monthly premium. I've called several times... Read More
1 People found this helpful.
I have had Trupanion for almost 7 years and had a great experience when I first used it 6 years ago. Since then, many aspects of the company have gone downhill including an increase in monthly cost, a decrease in customer service, and the addition of many loopholes to get out of paying claims that were previously covered. I am really disappointed with Trupanion and, most recently, called to discuss a claim that I submitted. I spoke to a number of customer service representatives that provided me with various incongruent answers that influenced me to change my policy in a disadvantageous way. After speaking with a manager today, who became aggressive on the phone, I am still unclear about... Read More
1 People found this helpful.
I have had Trupanion for over 4 years and have never submitted a claim as most of my veterinarian visits were for routine examinations or the bill have not exceeded the deductible. Last weekend I have had to take my dog to the hospital as there was burr in his ear. He was seen by the emergency care vet and treated and released. The bill was a little over $400.00 and the Vets submitted the claim for me. I was expecting to receive 90% of the balance of 150.00 after having paid the deductible. Trupanion processed the claim quickly and sent me a notice that they are going to reimburse me $15.00. The explanation: "Other: Ineligible Items $136.00 Please refer to the following policy... Read More
1 People found this helpful.
Claims process seems easy and straightforward. You can even take a picture of the form and email it. Unfortunately, I submitted a straightforward claim for a small amount a MONTH ago, and nothing. I am in "submit more documents" hell. There are no more documents to submit! I am convinced they are just stalling so they don't have to pay during my first "free" month. Terrible experience.
1 People found this helpful.
I am very unhappy with Trupanion I been waiting for payment for three weeks. they are very good if it's a small amount, but when it's a larger amount they set on it. My dog has diabetic they always pay for the insulin needles etc. this claim was for diabetic they wanted records again which has been sent to them in the pass many times. maybe they don't have the money . is there anyone to view the adjusters. do they have a medical background . thank you A.E.SENNA
1 People found this helpful.
We love our new pet we got from 2nd chance. Can not say anything negative about 2nd chance. I will say our pet got sick from something she ate outside and we had to take her to the animal hospital. I called Trupanion and the told me we were covered our bill was $736 they covered $30 of it. They are the worst insurance company ever and recommend no one use them.
1 People found this helpful.
Rescued a dog that was very neglected, he was left in crate/kennel sitting in his pee/poop 24/7 so naturally, this caused him to have raw skin. Took him to vet to treat the skin, fast forward to present he has not had skin issues since. Took my dog recently to vet for ear infection most likely because he is so hard to groom/bathe, he fights so moisture goes in his ears. Vet told me this when I took my dog for vaccinations/dental cleaning on top of this ear problem. 1 claim I filed in 3 years and it gets denied, Trupanion says this is a pre-existing condition. First and only ear infection, they say it is related to his skin condition when I first rescued him. That was 3 years ago, obviously... Read More
1 People found this helpful.
Say you put your pet on a diet because they were getting tubby and it works. Then your vet recommends trupanion at his annual well-pet exam, and the vet notices he lose weight and also has a heart murmur, so checks for illnesses. They find something and your pet's treatment will not be eligible because losing weight before the coverage began means it was a pre-existing condition, even though they'd lost weight because you had put them on a diet so they could remain healthy! They do not actually care about pets! Trupanion is a racket!
1 People found this helpful.
They jacked my premium up 35% (despite having a policy stating they would never raise it more than 20%). They supposedly sent the 30 day notice to raise the rate, as required by law , but didn't include the attachments saying as much. The email said I could also review the papers on their member site. Everytime I go to the site, my policy states they won't raise the rates more than 20% in a year, and my premium should be $42.11 (except that I was actually being charged $54.17) I tried e-mailing to straighten it all out. The gives me some standard BS answer, and then says something to me about "Milo". WHO THE FUCK IS MILO?! I made it clear I wasn't impressed with him not even nothing to get... Read More
1 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
