Trupanion Review
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Reviews 9411 
Robert & Karen
It is really hard to change the plan
It is really hard to change the plan. Somehow, we still have one dog on that we thought we dropped and 2 dogs missing we thought we added. It was also really frustrating not to be able to get a refund for Kenza, partly due to coordinating finding any sort of "death certificate". You finally gave up and closed the file, and sent us a refund of most months of the overpayment, but I think not all.
Thor's mom
I appreciated how quickly inquiries…
I appreciated how quickly inquiries were handled and in a friendly way. The claims were processed faster than I expected.
Christian Gomez
Trupanion member for +20 years (4…
Trupanion member for +20 years (4 cats) and always had a very positive experience with their service. Highly recommended for your needs.
Betty
Trupanion coverage
Trupanion has consistently, and promptly covered the vet cost and medication cost for each health issue I have had with my dog. So glad I insured her immediately after her first puppy exam. Even my vet office has commented that they wished all pet insurance was as prompt with payments as Trupanion.,
Shanon G
Quick payments
Quick payments. Great to work with on claims.
customer
Great customer service
Great customer service. And always takes good care of our pups claims fast and efficiently.
PAUL
Your quick response and review was very…
Your quick response and review was very prompt and accurate,also your team is very professional.
Barbara
I had my 6 mo old puppy in to the vet…
I had my 6 mo old puppy in to the vet for severe vomiting. Got a $1395 bill!! No regrets for treating my sweet girl but WOW! Told my vet we had insurance and within 3 min -yes 3 min- she had submitted my claim and was paid $913! I was so surprised how quickly they responded and paid. 10stars!!!
Shelley
Trupanion has made such an impact on my…
Trupanion has made such an impact on my kitties life. Without their financial assistance I would be in debt or have had to make the difficult decision to say goodbye. I’m so grateful for their easy claims experience, the kindness of the support staff when you call, the speed at which things are processed.
Sandra
Trupanion is THE BEST!!
Trupanion is THE BEST!!! My dog is 14.5 years old and has had quite a few issues during her lifetime. Trupanion has ALWAYS been there. Even before I have the time to blink, the claim has been approved. You are AMAZING!!!
Edward
Filing a claim couldn’t be easier!
Our specialty vet got pre approval for our puppy’s CT scan on the spot and we only had to pay the deductible. Easy peasy!
Renee
The claims process was easy, but . . .
The claims process was easy. My veterinarian submitted it at the time of my appointment, and I was able to just pay my portion. The reason I gave only 4 stars is because the deductible and 90%/10% copay is misleading. I found out with this being my first claim that you have to pay 10% of the total bill before the deductible and then pay the deductible. This is totally opposite of what we are used to with our healthcare no matter what company we have. I see nowhere on the website where this is explained. Just be aware that this is how it works which costs the customer more out of pocket.
Monica
Great response time for my claim was…
Great response time for my claim was impressive. I had the money in the bank within 24 hrs. No hassle service.
Janice
Filing a claim is extremely easy
Filing a claim is extremely easy. Processing the claim and payment is always fast.
Judith
This is an incredible company
This is an incredible company. Claims are easy to submit, are processed quickly and payment made. The company works with vets to pay the vet directly for vet care covered by the policy. The Company also is very easy with which to communicate and very friendly.
Linda Crelling
Great company
Great company. Quick pay. no problems.
Wanda
Great communication and super quick…
Great communication and super quick reimbursement
CONNIE COOPER FOBES
Trupanion insurance has been so supportive.
Trupanion insurance has been so supportive. Both of my dogs have had some serious issues. Trupanion has been so quick to respond in a timely manner. I cannot imagine having a pet not insured by this fair and reliable company. Thank you for being there for us.
Jake
Without Trupanion, our outcome would be different
My boxer has spinal meningitis. A friend recommended Trupanion when I rescued him and I am so thankful. Without Trupanion, I would not be able to afford his treatments. Our outcome would be different. The process has been seamless and easy. When I go to vet appointments, I no longer dread the bill. I can finally say to the vet, WE are okay, do the treatment. Highly recommend.
Phoebe
Handled our situation without any problem.....
Took care of our little situation without any "ifs, ands or buts" instantly. We are very happy with the service we received.
paul
Trupanion is so easy
Trupanion is so easy. The review of the claim take only a few minutes, one can just wait at the check out counter at the vet. And if there is a dispute it is resolved within a day. And one gets a real person on the phone within seconds, no annoying voice response system. This way I always know what is covered and what is my portion. Gives me peace of mind. I cannot think of a better pet insurance company than Trupanion.
Darlene
very responsive yet would like policy…
very responsive yet would like policy to cover more
Avelino Rodriguez
Excellent, excellent, great service and when your pet needs it the most they are there to help out. Love Trupanion.
My experience with Trupanion has been excellent. Easy submission and the process is short and quick. When Daisy III needed Trupanion the most I did not get any buts. Fast approval and quicker yet with Veterinarians that process claim. My little Daisy III will be home tomorrow and pick up time is between 8:30 am to 9 am, I will be there at 8:00 am. I love you guys always quick and professional. My gal will be 13 years in November. I love my little gal, I will be by her side and not leave her alone during her recovery. Thank You Thank You Thank You. I love you guys.
Elizabeth
Transparent
Transparent, responsive, helpful
Jennifer
10 years of coverage!
My 12yo dog has had Trupanion almost her whole life. It has been the best decision we ever made to ensure we are able to pay for her health needs. Highly recommend.
Jennifer
Quick response to my questions…
Quick response to my questions regarding billing and reimbursements.
customer
Great Experience
Provided a great and easy experience during a tough time. I’m so thankful that I have Trupanion.
Teddy
Great product, great service. Recommended to all pet owners
My experience with Trupanion has generally been great. I have a cat that started experiencing seizures and nearly all of her treatment has been covered by Trupanion. I'm on about 2 years of treatment as of typing this and I can say without a doubt, Trupanion was integral in saving her life.
Andre Passero
Coverage for over 12 years
We’ve had companion for over five pets over the years and there’s a reason for that. They are the best. They are the most compassionate responsible and diligent companies and we appreciate them
Karen
Trupanion was so responsive
Trupanion was so responsive, quick and efficient, as well as compassionate with everything when my dog had to have major surgery and then cancer diagnosis. They made it so extremely easy when we were going through a hard time our sick dog. Thank you!
Nancy Allen
Insurance was so very fast.
Insurance was fast, easy, and very fair. My only complaint is that this insurance is best secured for catastrophic issues. Regular up keep is not really covered. It is of much value now that my cat is very ill. Thank you.
Diana
Always helpful
Always helpful, speedy reimbursements, easy communication.
Barbara
The Peace of Mind
Love that the vet office can upload while I am checking out & processing is lighting fast. Glad to know I am not breaking the bank when my fur baby needs medical attention. Only wish deductible was yearly 1x rather each diagnosis.
Verne Bailey
My contacts with Trupanion representatives conversations with the company's…
My conversations with the company's representatives were always professional and courteous.
Maira
Thank you for being there for me in a…
Thank you for being there for me in a very difficult time. Hospitals are scary places and vets are often not the most comforting. Trupanion was a light in the dark for me. I was able to give my baby everything he needed to get better and bring him home. I cannot recommend Trupanion enough!
Sara Cunningham
The quick response and the ease of…
The quick response and the ease of navigation throughout the entire process has blown me away every time. Y'all are amazing.
Miriam
When I had a question my call was…
When I had a question my call was answered directly by a person! She was able to answer my question right away. The whole process from filing my claim to receiving payment was quick and easy. If only human healthcare was this easy!
Gabrielle
Trupanion is pretty good but very…
Trupanion is pretty good but very expensive. They have direct pay with many vets which is great! They charge you multiple deductibles unfortunately when the vet is running diagnostics trying to rule out different things- even though only 1 deductible should be charged. They are overall pretty good
JS
Fast Claims, Expensive Monthly Cost Increases
I like that Trupanion is quick with claim responses, and it's easy to understand what is or isn't covered and why. I don't like the premium hikes each year which seem hefty and our dog is only just about to turn 3 in November, but I'm already wondering if we should shop around for other insurance options that are less pricey and with lower average price hikes each year...
Michele Langley
HUGE Annual Increases-Per Diagnosis Deductibles-No App Now
When I got this insurance 3 years ago I'd seen my boss have it and it only went up a few dollars. After I got it, it went from $175 to $290 a month. I increased my per diagnosis deductible to lower costs, then the next year it went from $242 to $389 a month! Like what the actual F? With that and the ridiculous per diagnosis deductible, I can't even afford to take him to the vet. Yes, they will pay the vet directly, but other than specialists and emergency, I have yet to find a vet that uses their software. I got the insurance specifically because they always charge at the age you sign them up, supposedly to keep it from increasing as they age, but mine has increased like crazy. It's much more than I paid with my last dog whose policy went up yearly as he aged. I also chose them because they pay directly, but many vets don't do that. I pay extra for coverage that's standard with most companies. With my last dog I had Healthy Paws which had a 90% reimbursement and a $100 annual deductible. I never had any issues with them and if it was a scheduled procedure, they would pay the vet directly. I left them with my new dog to avoid the annual increases, but I got screwed because trupanion has increased more than my other policy did and I had that one for around 8 years until my boy died. Now I feel like I'm stuck because anything he's been seen for or anything even mentioned, whether he had that issue or not, will be considered pre-existing. My renewal is coming up in October, and I'm terrified. All of my friends that get pets come to me for help getting insurance, and I do not even look at trupanion. The one friend in the beginning that did sign up switched when they sent her overpriced renewal notice. I'll just say, I've never had an issue getting paid, but I never once had an issue with Healthy Paws either, and it's much better paying an annual deductible than paying one every time you go to the vet for something new. That's also how they get you...if you go in for something you already paid the deductible on and they find a new issue, trupanion will make you pay a new deductible even though you already satisfied it for the reason you scheduled the visit. I have two other dogs, and they do not have trupanion. I'd be homeless if all my dogs were with them. There are so many companies that cost so much less and cover the same stuff and even more, like exam fees. If they don't do something soon, they will continue to lose people. Just for fun I priced our new dog, and trupanion cost three times more for less coverage that the other companies I looked at. They wanted $389 a month while others cost $98-$140, paid out 90%, and covered exam fees and acupuncture, etc without having to pay an extra monthly fee. DO BETTER! Stop lining your pockets with people's per diagnosis deductibles. You are literally the only company doing this. On top of that, there's not even a working app now? I just got my renewal and it's gone up 48%. Bye bye Trupanion. Spot is $146 with a $100 annual deductible and 90% reimbursement. I've set up 4 friends with them.
Paying too much
Expensive but quick payment
Fast repayment. Prices are outrageous. 30% increase this year. Simply preposterous. Every year it’s a giant increase. How can a dog’s insurance cost more than mine
Cristal King
You all are on your game
You all are on your game. You all are very friendly on the phone and prompt. The processing is fast. We are so greatful for your assistance.
Areina
Major medical assistance
The support that we are receiving is a relief for us. That helps us concentrate on finding a cure.
JASON
It was easy to submit my claims
It was easy to submit my claims. The team promptly assigned them and kept me up to date on the status of each claim, them amount of payments as well as what was not paid and why. The money was sent promptly and direct deposited. They sent several condolences on the death of our pet.
JLL
You just never know! It's totally worth every penny!
At this point Trupanion is helping us with maintenance for our fur baby, but in years past Trupanion provided the financial support necessary to keep her alive! I highly recommend pet insurance when you welcome a new fury life into your home because you NEVER know what might happen. I was skeptical when we were first instructed to get coverage, but in the end it was a true blessing. Not just that, they have provided fast and reliable customer service when I have had questions. Thank you, Trupanion!
Colleen Gamache
What made my experience great was how…
What made my experience great was how quick and easy it was to put my request in and how fast you were to apply the money to his surgery. I minute I faxed it over your approval came back the same day. Thank you.
Jeff H
Finally
Finally, after several years of botched claims processing, Trupanion seems to have gotten its act together and now processes our pets' claims with relative ease. This is good, because several of them have life threatening conditions, and we are grateful for the coverage they receive for their respective care.
Joyce
They responded quickly to my questions
They responded quickly to my questions. They worked with the vet hospital to pre approve her surgery claim. It took off so much pressure at a time when we were Worried about our fur-baby’s broken leg. I am so thankful we used Trupanion to protect her.
Jennifer
Trupanion for the win!!
Trupanion is always there when my pets are in need. They’re quick to pay and their process is easy to follow.
Dernise
I thought after I paid $500…
I thought after I paid $500 out-of-pocket, especially for ear infections which has been an issue for her then it would be a 90% pay off after that I guess I was wrong please explain
liz Casario
Great coverage & quick responses
Great coverage & quick responses. Paid my vet directly
Rebecca
Quick response to claim and fast…
Quick response to claim and fast payment!
Patty
Trupanion was recommended by our…
Trupanion was recommended by our veterinarian when our pups were 8 weeks old...we started with them and 4 years later, we are still with them. We have a female with idiopathic epilepsy. If we didn't have Trupanion, she wouldn't have lived this long. They have covered everything except for copays, which have been affordable. I think Trupanion is a wonderful pet insurance company! One of our males was recently found to have a broken tooth and while Trupanion doesn't cover the teeth cleaning the vets did, they did cover the tooth extraction! So happy about that!
Live Lena
The best pet Insurance EVER
The best pet Insurance EVER! I have surgery coming up for my little kitten and I emailed them for pre approval, got respond back within a few hours with 90 % coverage 🥹🤩 then I wanted to make sure I see things right , I called the company. Was on a phone with amazing person who even explained that they can pay directly To the clinic and I won’t have to claim bills and wait for a refund anymore. Simply amazing service . If you are serious about your pet health then consider this company as one of the best on a market. Thank you for being there for my little guy 🥹❤️❤️❤️
Amy Reese
Best pet insurance
Everyone is always so nice and when I send in a claim they pay you back so fast !! Hands down the best pet insurance ever!!!!!GREAT JOB TRUPANION
Liz
Allows for preapproval
My almost 2 year old dog randomly started having vomiting and diarrhea without the insurance the visit wouldve been 4000 but with insurance we only had to pay 1500 (1000 deductible that we chose)
Christopher
Claim was processed immediately
Claim was processed immediately. Thankfully we had insurance or the bill would have been a financial burden.
Judith
Excellent fast efficient service.
Excellent fast efficient service.
Paula
Quick Turnaround!
My dog received treatment on Monday and Wednesday and the receptionist at our vet’s office submitted my dog’s reports and by that evening, I already knew how much Trupanion would cover!!! I never thought I would have that information so quickly! I’m thrilled with the coverage I received!
Bill
They are taking care of my dogs Bill's…
They are taking care of my dogs Bill's which is allowing me to get her better care. Thanks. The bad part is that they keep rasing the premiums the just increased them to almost $50 more
Jerry
Trupanion insurance claim response.
After a visit to my vet, a claim was submitted to Trupanion. The claim was approved and paid in less than 5 minutes. This was an excellent response and result. I highly recommend Trupanion Pet Insurance.
Angela Snoberger
I love that more vets are utilizing the…
I love that more vets are utilizing the direct bill. This is a fabulous benefit.
Donna
Trupanion has been there for my pets…
Trupanion has been there for my pets and my family in times of need. I could not have afforded the care they needed if not for the help from Trupanion. They have helped get my babies through injuries, UTIs, Pancreatitis, liver disease, bladder stones and more. We greatly appreciate it.
Maggie
Trupanion is the best insurance…
Trupanion is the best insurance company. They pay the vet directly and the amount that is covered is very good. My frenchie recently had a problem with his back and Trupanion came through for me during a very difficult time.
customerJoe Benxinger
Quickest on claim
Quickest on claim Reilly is alive today with your help along with my wife Thank you
Lisa
Peace of mind is priceless
Our policies are not cheap, but the peace of mind we have had knowing our pups are insured by Trupanion is priceless. From our late dog Lewis's lymphoma treatment to our sweet pittie Shiloh's bilateral TPLO, we never worry about coverage or cost when our pups need health care. The customer service is prompt and fantastic.
Lisa
Fast Approvals & Amazing Customer Service
Trupanion truly goes above and beyond for you and your (babies) pets and are very caring. Claims get processed and approved quickly. I also like the convenience of being able to pay just your share of copay at time of service at vetenary locations that participate in it because Trupanion offers a service that allows the vetenary office to process the claim at checkout and then you pay only your share of bill instead of waiting for reimbursement, which they also process quickly usually within couple days. Customer service dept. is also amazing, they really care and are simply the best. I highly recommend Trupaion.
Rich Dunn
Very responsive
Trupanion responded to all submitted claims with 24 hours, usually sooner.
Ron
Trupanion is #1 and wouldn’t hesitate…
Trupanion is #1 and wouldn’t hesitate to recommend this wonderful company. They worked with the hospital at the same time the procedure was completed and walked out the door to pay for my balance and deductible. No paperwork had to be submitted and didn’t have to pay the full amount then wait to be reimbursed. It was great to know what my portion of the hospital bill was going to be upfront. Thank you Trupanion for your outstanding service and taking care of Sydney!
Cyndy
I am grateful for the quick responses
I am grateful for the quick responses. We’ve had hiccups in the beginning on what is approved and what is not approved. It is a sticky situation with AI being the way to accept because if words annd billing are not perfect things get denied. Then it is very, very hard to get things corrected. Pretty much once it’s submitted and decisions made no changes will be made. No matter what the error is on record. I know now to always remind the billing submitting to not be general because of things are submitted general they get denied.
Steve Lack
The process is fast and easy
The process is fast and easy. I wouldn't go without Trupanion!
diane
peace of mind
You gave me peace of mind to take care of my cat Dunkin. The vet hospital was able to go straight to you. I recommend you to friends who have pets.
Edwin
Gives us piece of mind…
Gives us piece of mind and allows us to give our pups the best care possible. The claims process is quick and easy.
Laura
I loved how quickly Trupanion responded…
I loved how quickly Trupanion responded to my claim. You were very diligent!
Kris
Get it. Keep it. You’ll never know when you need it.
We’ve had Trupanion for our cat for a few years now. While I’d previously been a tad irked when Trupanion wouldn’t help cover some medication for her in the past, that frustration has melted away. Out of the blue, our cat found herself on death’s door and we needed some dramatic surgery followed by several days of inpatient time. It was one of the scariest moments of my life. I am SO glad we had Trupanion. They immediately preapproved the vast majority of the surgery costs and helped to keep our cat alive. The team responded quickly and kindly and worked with the animal hospital perfectly. Now our cat is out of the woods and recovering well! Thank you so much, Trupanion!
Ken
The company has been very professional
The company has been very professional, and handled everything in a great and fast manner. They are very much appreciated.
Rebecca
Fast and fair seecixe
Trupanion processed our pet’s claim very quickly, communicated directly with the veterinary hospital regarding coverage and care. and covered the vast majority of the expense without any need for negotiation or appeals
Carey
They paid my ER Veterainry clinic…
They paid my ER Veterainry clinic direct. The pre approval took less than a minute even though it was the middle of the night. I highly recommend Trupanion!!
Vance
Everything was great
Everything was great
Richard Clouthier
I was so happy with the quick payment…
I was so happy with the quick payment for my dog Spikes’ dental procedure. I was so disappointed and sad when I was informed that he required 3 teeth extracted and one canine that needed repair. The payment by Trupanion was wonderful and went a long way in alleviating my stress! Thank you!
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