My 6-year old dog developed a huge abcess on his shoulder. We received pre-approval for surgery within an hour and an estimate of what would be covered by Trupanion. They covered $4,000, our responsibility was $1,300. I couldn't be happier. It was a seamless process from beginning to end. This is our first time using Trupanion since we enrolled when our pup was 2 months old. It has more than paid for itself. The process was unbelievably smooth, start to finish. If only my own health-care insurance was so efficient! read more

If I could give this company zero stars, I would. They're not honest about what they offer. I signed up for a free 30-day trial, and when I spoke with a representative, they told me the "free" insurance came with a $250 deductible. I took my kitten in for sneezing--her first vet visit--and got hit with a $215 bill. That's just one example. On top of that, the insurance doesn't cover allergies or anything they decide counts as a pre-existing condition. After that, I called to say I wasn't planning to keep the policy. The rep said the first month was free, and that if I wanted to continue, I just needed to call. I never called because I didn't like their terms. He assured me the policy would only continue if I called in, and otherwise, it would cancel automatically. August 3rd was the cutoff. By August 5th, I noticed a charge on my account and was totally confused. One of my other pets had been dropped, but my kitten was still showing as active. I called to clear things up, explaining that I never called to continue. The person on the phone said, "We still have your kitten's policy active because you never canceled it!" What kind of mixed messages are they sending? I asked them to check their call recordings. The next rep tried to tell me I'd used the policy--because I paid the full $215 vet bill! She then claimed my deductible was $150, not $250. That's simply not true. They didn't pay a cent, and my deductible was supposed to be $250. It's infuriating that they get away with this stuff. They change the rules based on the situation. I hope this company goes out of business. They're dishonest and seem to change their rules to fit the situation. I told them I wasn't paying, but they still charged me $100.13 for one month! They need to be held accountable. I disputed the charge for three reasons: first, they never paid anything and their deductible changed from $150 to $250 the day I took my cat in! Secondly, they lied about the deductible; third, the "lifetime deductible" they promised turned out to be a separate deductible for each illness. So if my pet got sick with five different things, I'd have to pay $500 for each one. That's outrageous. And they keep insisting it's a "lifetime" deductible, even though it resets every time my pet gets a new diagnosis. So if my cat had an ear infection one month ($200 out of pocket), and a respiratory infection the next, that first $200 doesn't count towards the next deductible. If I had to go in for four different illnesses, I'd end up paying $2,000 and still not reach my deductible--because each illness has its own. It's a complete scam. Read the fine print. This company is a master at ripping people off. Stay far away. They're unethical, and everyone you speak to seems to make up their own rules. As many people have said, they always have the perfect excuse to get out of paying. I wish I read the negative reviews before jumping on this stressful wagon!! read more

Stay away from Trupanion!!! Total Scammers My premium started a little over $100 per month and has increased year after year to nearly $300 per month. The constant rate hikes make the policy extremely difficult to justify. What I found even more frustrating is that when I considered canceling, the conversation felt focused on scaring me into staying by warning about pre-existing condition exclusions if I switched providers. While pet owners should understand how coverage works, using fear of losing coverage to retain customers is not a good customer experience. Between the excessive premium increases and the pressure tactics, I would not recommend Trupanion. Pet owners should carefully compare alternatives before signing up. read more

Absolute scam. Answered email within the 24hrs "to have immediate coverage", submitted claim, denied because it was a day after we admitted our pet into the hospital. Again, email within 24hrs for immediate coverage, got email that confirmed coverage, then denied. I've seen tons of complaints that their rates just quickly. I'm glad I saw it all before I bought in to it. read more

Highly expensive pet insurance- increases yearly. I suggest you check out other companies. I have been with them for 12 years and although I have received payments for claims I believe this company is way overpriced and would definitely shop around- there are so many other companies. At this point at the ages of my pets it would not be beneficial for me but I would never go with this company ever again if we get more pets in the future read more

Trupanion - Website - Pet Insurance Near Me - Seattle, Washington

We decided on Trupanion 8 years ago when we got our puppy. We asked if rates would increase with the dogs age and we were told reeks would only go to basic cost of living. Our rate started in the $25-35 range and we were told it is now going up to $83 . Luckily we've not had to use it and have paid much more in than we've gotten out. So that's not the reason for the increase. We were obviously lied to from the beginning but can't switch at this point in our dog's life. read more

They will pay for your claim BUT BE AWARE! In only 2 years of insurance I am now having to pay $60 dollars more for one pet. So I pay $160 a month now, they do not cover any wellness visits and God forbid you need to change the payout so you can afford your monthly cost if you decrease the percentage of payment you cannot increase again EVER!!!!!! It's absurd At this rate in another 2 years I will have 50% coverage to be able to afford what I used to pay ( they say is not correlated to the amount of times you use the insurance but it is!!!!!) I had an emergency visit w my cat and boom $50 dollars more per month read more

Trupanion - Live chat reasoning prices - Pet Insurance Near Me - Seattle, Washington

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Stay away from Trupanion. Money gougers! The president makes over $4 million in compensation, yet Trupanion pays out very little to policyholders. At the recommendation of my vet I took out a policy when I first got my pup. She is now 6. Trupanion has increased her monthly premium from $64.74 to $90.41 or 31.53%. This action tells me that it is all about the money and not about the welfare of a pet. DESERVES LESS THAN ZERO STARS. read more

Refusing to cover a cat's urinary blockage all because they had a single episode of TENTATIVE fic in the past is insane logic. We will be suing you for every cent. I work in vet med and used to rave about Trupanion... until the one time I actually needed to submit a claim. Now I have already begun telling clients at my clinic my experience and we have been utilizing social media to let out thousands of clients know not to sign their puppies and kittens up with your service. Oh and have fun when the Department of Insurance calls. SCAMMERS. read more

My labradoodle had Trupanion since he was 8 weeks old ( the breeder got the insurance for him). He's 10 now. Never really had to use it until recently he had a CCL injury and needed a surgery. We had $500 deductible and exhausted that with our regular vet's visits of X-rays etc. and we went to a specialist for the surgery. trupanion was able to instantly preapprove the procedure & directly paid 90% of the total claim to the hospital and we only needed to pay 10% out of pocket when we checked out. That's $6000+ paid by them and we only needed to pay $600+. The entire process was seamless and claims were approved within minutes of time. read more

We have a healthy 5 year old who we insured for 4 years....started at $90 per month. Then $130 the second year. $160 the 3rd year and $220 after that. $2640 per year and our dog never had a covered claim. They claim they don't increase price based on age. But every year it goes up hundreds of dollars. Your better off putting the money into an account. read more

SCAM ... Crazy exclusions. Every visit is a separate "medical issue" with a separate $1,000 deductible, even when all related to our dog's eyes and glaucoma. I'd rather put the $160 per month towards her care than send it to these thieves in hopes of one day spending $5,000 to get reimbursed $20. STAY AWAY! read more

No pet insurance company should be increasing monthly costs in the middle of economic hardship. When people are doing everything they can to keep their pets healthy and safe, raising premiums sends a clear message: loyalty matters only when it's profitable. That's not care, that's cash‑first thinking. read more

Biggest scam ever . I've been paying $130 a month my dog just injured her paw which they say they cover new injuries but they called when I brought here in to the vet too see how bad the paw was an exam is not covered how else is a vet supposed to treat a new injury if they don't exam the animal. I am dropping and well find a company that actually does something besides take my money. I would tell anyone thinking of paying this company for their coverage NOT to do it. Find a different company. This company is a total scam. read more

Horrible experience. They offer "1free month" pet insurance. But when you scan the QR code, it just takes you straight to a quote no free coverage. The breeder that offered this company tried to fight it and they denied it even though they can see the proof that I sent them that we were in fact on their website because they emailed me back asking us to finish our quote. I've also had a few friends that have used them and when it comes down to paying they use every excuse in the book not to. But o did find another pet insurance company called Lemonade that gets amazing reviews and it's easy to submit your claim claims and they pay you back directly to your bank account. read more

I have been waiting 6 months for them to process my multiple claims. They denied 4 saying "previous stmptom, not covered" when they are two completely different diagnoses (one being pneumonia and one being GI issues). so how can they deny both? you have to pick one or the other. I have called at least 5 times and nobody is helpful, they always say I'll get a call back and never do. I used to have a solid review for them but that's because my first dog never used it. Dont use trupanion, I will be cancelling and switching ASAP read more

They respond quickly to my phone calls and reimburse me for out of pocket expenses quickly. If the vet will submit their statement, Trupanion pays them promptly. I'm Very happy with them, however they are a bit pricey... so are vets! read more

Edited to give people the exact amount they are making me pay now for one dog: My premium will go up from $133 to a whopping $164 a month for ONE dog. These guys increase your premium practically every year. I have only needed to use the insurance twice (fortunately), but predictably, they raise your premium if you use it. I could pay less with a new insurance company, but if I switch, my dog can no longer get treatment covered for the only thing I've needed to use the insurance for (because it's now a pre-existing condition). One of our dogs died from old age, but because of the increasing premiums, I am now paying the same for one dog that I previously paid to insure two. The only thing that I could say that is good about Trupanion is that the associates they hire are typically pretty nice and understanding. I'm sure they don't have any control over the premium increases and it's the CEO who is already wealthy who will continue to profit. He doesn't care how we feel about the premium increase. read more

Trupanion - Pet Insurance Near Me - Seattle, Washington

Premium increases will price you out of coverage for your pet, I am paying close to $1,000 for my 7 cats and will be looking for another company. I started out @ $55 dollars 3 years ago, now it's double or more for my babies. Where does it stop?! read more

In the four years that I have paid for Trupanion insurance my premiums have gone from $130 a month to $200 last year and now one year later they want $260. They blame it on "inflation in the veterinary industry." They are crooks, plain and simple. read more

Increases price as the number of claims increases. Check your monthly price. It changes without notification. Very disappointed. They hold you because it is hard to get a new insurance company because of existing conditions and they know it. read more

Trupanion - I started at $60 - Pet Insurance Near Me - Seattle, Washington

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Trupanion is the worst place to bring your beloved animal for care. I had been a dedicated member for over 7 years with two of my dogs and when I was notified there was something wrong with my account I reached out and fixed it via the phone. Apparently then they started calling me which I went through my call log never happened and all the emails went to spam. I had been very sick in the hospital and I would think after being such a loyal customer that the service would have some sort of compassion but they don't care at all. Go anywhere else read more

Trupanion is worth the money my dog has had allergies amount other issues and Trupanion always comes through. My veterinarian puts my claim in and in minutes they respond and I only pay my part. I wish I had gotten Trupanion for my second pet I went with Figo which pays nothing ever. read more

I regret choosing Trupanion for my dog's insurance. They consistently deny claims or find reasons not to pay anything above the deductible - including for things that are clearly covered by the plan. My dog had a procedure today. I sent in all the required forms and received prior authorization from Trupanion last month. But when my vet submitted the invoice after the procedure today, Trupanion refused to pay it - even though they had previously approved the charge! Talk about dishonest business practices! Do yourself and your pet a favor - stay away from Trupanion and find a pet insurance company that actually stands by its word. read more

Do not get Trupanion for your pets. The only reason we still have this insurance is because we enrolled when our dogs were young and healthy. At this point, switching providers would mean all of their existing health conditions would become "pre-existing," so we feel completely stuck. Not only is Trupanion significantly more expensive than many other pet insurance companies, but they also constantly make billing and coverage mistakes and then refuse to correct them without forcing customers through a lengthy appeals process. The worst part is that whenever Trupanion makes an error, the burden falls entirely on pet owners and veterinarians to fix it. Their appeal process requires doctors and staff, already working exhausting schedules, to spend additional time contacting the insurance company, submitting documentation, and explaining issues that were caused by Trupanion in the first place. Just today, we were incorrectly charged a $500 deductible for treatment related to my dog's chronic condition, a condition he has been treated for over 8 years, and for which the deductible had already been satisfied long ago. The paperwork from the veterinary hospital was filled out correctly from the start. This was clearly a Trupanion system or billing error. Now, after spending all day in and out of surgeries, someone from the surgery department has to take time to contact Trupanion to correct their mistake. That is unacceptable. Trupanion should be responsible for fixing its own billing errors, not veterinarians or exhausted pet owners. Their entire business model seems to rely on customers giving up on the long, frustrating appeals process and simply paying bills that should have been covered in the first place. Be aware before choosing this company. read more

If I could give Trupanion zero stars, I would. It has become painfully clear that this company is far more interested in protecting its bottom line than protecting the pets it claims to care about. Our cat developed a completely new and unrelated condition in 2025, presenting with sudden vomiting and requiring real veterinary care. Trupanion's response? Denied. Why? Because--wait for it--she vomited a few times in 2022. According to Trupanion, that isolated incident from years ago somehow makes any future stomach issue "pre-existing." Imagine going to your human health insurance with a stomach bug and being told, "Sorry, you threw up once three years ago, so we're not covering anything." It would be absurd. It is absurd. Yet Trupanion thinks this logic is totally acceptable when it comes to pets. This isn't insurance. It's a technicality factory designed to deny claims while pretending to offer peace of mind. They comb through unrelated, ancient records to twist anything into a pre-existing condition. They don't support pet owners--they actively work against them. If you're considering Trupanion, learn from our experience: they are absolutely not on your side. The moment you need them, they'll dig for any excuse--no matter how ridiculous--to avoid paying. Our pets deserve better. So do we. read more

They deny everything based on geralizatjons and diagnosis from themselves and not what doctors say. My dog had a puppy scratch on her belly and they said it was allegies even though my vet didn't. Then they proceeded to deny anything she has ever had because it shares potential symptoms with allergies. Then there is the "we don't raise prices based on age or claims" but then they will go and raise it every single year. I have had my dog for 5 years and each year it has gone up 20-40 %. It started at $75. Now it is up to 170 a month. This company is a scam. Avoid at all costs. read more

Trupanion - Price hikes. - Pet Insurance Near Me - Seattle, Washington

I have paid these people monthly since 2017. Never filed a single claim. Finally filed one, but my address had changed since I signed my cat up. I moved a mile down the street, in the SAME CITY, but my zip code had changed. When I reached out to change my address with them (you can't do it online, because they want to be able to run this specific scam), I was informed that my monthly fee would now be doubled. DOUBLED. I moved DOWN THE STREET. Also my invoice was for less than my deductible so they're not paying anything out anyway. How on earth can they DOUBLE my monthly rate because I moved a MILE down the street? How can they justify this? This is a scam. Horrible people, horrible business. They should be ashamed of themselves. read more

You will be wasting your money. I have spent over $6000 in medical bills on my fur baby and this insurance hasn't covered a dime! there's a $1000 deductible for everything and they choose what's categorized. Even to the point of not covering Brachycephalic airway in a dog as preexisting condition because the breed is a French Bulldog. Denying claims saying a preexisting condition on something totally unrelated. A mass is not the same as Cushing's. read more

Absolute worst customer service and company ever. I have never left a review before but I can't with this company and want to warn everyone to never use them!!! Shop anywhere else or just put the $150 they're making you pay into a savings account for your dog/cat. You'll probably end up never using it and then just have a treat for yourself. Started paying for pet insurance for my dog as a puppy which started at $50. Today, they have upped it to $150 and I have never even used them. I have given them over $8,500 in the years I have had them and they just up your monthly payment whenever they want and if you want to pay a lower one, they only offer one choice which is, they will make you pay a higher deductible to lower your monthly so it's not really helping at all. Please please please go anywhere else to get pet insurance or again, just put it into a savings so companies like this can't screw you over. read more

If you looking for a cliche insurance company this is for you. They will take your money and not cover your pet. They will be dishonest and deceitful and claim pre existing conditions ON A PUPPY! They use vet notes to rationalize this even though the vet never diagnosed any issue. Also with a written letter from vet explaining they were wrong. The staff especially Mikayla are rude and disrespectful. Word for word Mikayla said, "We are an insurance company. What do you expect us to do." This company commits fraud by claiming they give you a list of pre existing conditions but will only send you list after you submit a claim that they have to pay out. Terrible company with terrible people working for it. These people do not care about you or your pet. They are bottom feeding vultures. read more

I never should have signed up for the "complimentary" 1 month offer provided by the breeder I bought my puppy from. Trupanion charges a $35.00 enrollment fee AFTER you've already been enrolled a month under the "complimentary" offer and they will not refund the fee if you fail to cancel the policy before the expiration of the "complimentary" month. No exceptions. I called to cancel after seeing the monthly charge on my credit card a few days after the "complimentary" month passed. The charge was almost twice as much as I recall being told it would be. I asked for a full refund of the amount I was charged and was told it would be processed in a couple of days. A couple of days later I received an email stating my refund was processed but it was for about half of what I was charged! When I called again I was told the enrollment fee is non-refundable and the monthly charge was prorated for 4 days. I was NEVER told I would not be refunded any amount when I called to cancel. I was told my request for a full refund would be processed, but it wasn't and they have refused to do so. DO NOT WASTE YOUR MONEY WITH TRUPANION!!! read more

We adopted a rescue and immediately had her checked by our vet. It is the prudent thing to do. Two weeks after her adoption, we purchased Trupanion insurance. Since the initial vet notes identified our rescue had an ear infection, Trupanion considers this preexisting and will "never" cover any infection or anything related to allergy. This is the poorest insurance plan and the customer service is terrible! read more

Trupanion used to be a great company, but over the last couple of years, it's completely changed, and not for the better. I would go as far as saying this company seems like a total scam these days. I've had between 5 and 9 animals insured with them at any given time for the past six years, so I'm not new to this. The premiums have steadily increased across the board, even for puppies I insured early with "locked-in" rates and no pre-existing conditions. I understand prices go up, but the increases have been steep and hard to justify. What's really pushed me to write this review, though, is the experience I've had recently with one of my cats who's been seriously ill. Over the last few months, I've submitted more than 20 claims related to the same illness, and most of them have either gone unanswered or been categorized in a way that requires me to meet a new deductible each time. This particular cat has a $1,000 deductible, and by constantly splitting his ongoing care into separate issues, Trupanion has effectively avoided covering the majority of his treatment. Even worse, some of these claims were denied for "missing information" despite the fact that I submitted every piece of documentation they requested--doctor's notes, receipts, timestamps, everything. I followed up multiple times after resending the materials and still heard nothing back. At this point, I've received responses to maybe 5 of the claims I've submitted, and only a few have been paid out--neither for amounts that come close to what I've spent trying to keep my (young) cat alive and comfortable. This isn't just a case of slow service. It feels like they're actively avoiding payouts. For a company that used to be known for reliability and compassion, it's been a shocking shift. I run a large animal rescue and used to recommend Trupanion to adopters and friends all the time. I've completely stopped doing that. I don't know if there's been a change in ownership or internal policy, but something is definitely wrong. After paying steadily rising premiums for years and only needing help now with one seriously ill animal, it's heartbreaking to be left without support. I wouldn't wish this experience on anyone, and I can't in good conscience recommend Trupanion anymore. Trupanion used to be a great company, but over the last couple of years, it's completely changed, and not for the better. I would go as far as saying this company seems like a total scam these days. I've had between 5 and 9 animals insured with them at any given time for the past six years, so I'm not new to this. The premiums have steadily increased across the board, even for puppies I insured early with "locked-in" rates and no pre-existing conditions. I understand prices go up, but the increases have been steep and hard to justify. What's really pushed me to write this review, though, is the experience I've had recently with one of my cats who's been seriously ill. Over the last few months, I've submitted more than 20 claims related to the same illness, and most of them have either gone unanswered or been categorized in a way that requires me to meet a new deductible each time. This particular cat has a $1,000 deductible, and by constantly splitting his ongoing care into separate issues, Trupanion has effectively avoided covering the majority of his treatment. Even worse, some of these claims were denied for "missing information" despite the fact that I submitted every piece of documentation they requested--doctor's notes, receipts, timestamps, everything. I followed up multiple times after resending the materials and still heard nothing back. At this point, I've received responses to maybe 5 of the claims I've submitted, and only a few have been paid out--neither for amounts that come close to what I've spent trying to keep my (young) cat alive and comfortable. This isn't just a case of slow service. It feels like they're actively avoiding payouts. For a company that used to be known for reliability and compassion, it's been a shocking shift. I run a large animal rescue and used to recommend Trupanion to adopters and friends all the time. I've completely stopped doing that. I don't know if there's been a change in ownership or internal policy, but something is definitely wrong. After paying steadily rising premiums for years and only needing help now with one seriously ill animal, it's heartbreaking to be left without support. I wouldn't wish this experience on anyone, and I can't in good conscience recommend Trupanion anymore. read more

Trupanion - Pet Insurance Near Me - Seattle, Washington

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I'd like to add an update to my experience! As one can see, Trupanions team publicly responded to my initial review, stating that the grace period issue was just policy and that there wasn't anything to be done, but that they were there for any issues that pop up after the grace period is over! Well, I'm here to say that they were lying! What is advertised as comfortable and extensive coverage has ended up being more of a headache than is worth the almost 600 bucks a year that I'm paying. My dog ended up swallowing more than her fair share of plastic which required an emergency endoscopic retrieval, and the overall cost was over $3k. I paid the $1800 deductible, so I guess if I have to get her stomach pumped again I'll be in luck, but after that, I was expecting 90% of the leftover cost. Well, actually no, because my policy doesn't cover exam fees, the vet visit that determined whether my dog needed surgery technically isn't covered under the "routine care" clause. So my payout only ended up covering less than a third of my overall cost. Be sure to read the fine print with these people, they're obviously not here to help, they only want your money. If I could give 0 stars I would, and I wouldn't recommend this service to a single person on Earth, even if I hated them. read more

I've been a Trupanion customer for several years, but the constant and significant premium increases have made it incredibly difficult to justify staying with this company. When I first signed up in 2022, my monthly premium was $54.40. Since then, the cost has risen every single year: 2022: $54.40/month $652.80/year 2023: $65.12/month $781.44/year 2024: $90.72/month $1,088.64/year 2025: $114.67/month $1,376.04/year 2026: $138.20/month $1,658.40/year Over five years, that's a total of $5,557.32 paid in premiums -- and the monthly cost has more than doubled since I started. While I understand that prices can increase over time, these jumps feel excessive and unpredictable. I would strongly encourage anyone considering Trupanion to think carefully about how sustainable these yearly increases may be over time. read more

DO NOT USE We have two basset hounds with no issues (so far). They have increased our premiums from 10-30% every year since we started. They use 'vet costs' but cite data from 2020. My sister is our vet, she can confirm neither she or her vet friends have seen an increase in cost. Definitely instead go for a savings account. We would have about $10,000 saved up over these 3 years. read more

I'm extremely disappointed with Trupanion. My pet had to undergo an emergency C-section, and Trupanion didn't cover a single thing. When I called to ask why, they confirmed that they never disclosed this exclusion clearly before I signed up. I trusted them to be there for emergencies--that's why we buy pet insurance--but when it mattered most, they were absolutely no help. I feel misled and would not recommend this company to anyone who truly cares about being financially prepared for unexpected veterinary emergencies. We spent 6 year paying for nothing. read more

Trying to cancel the first month came for free when I adopted my little dog. They don't cover pre existing premiums are high The guy kept giving me the entire sales pitch Pushy sales and better coverage elsewhere read more

I insured my pet under the understanding that they wont increase the cost given my dog age, coincedentally, as my dog gets older the premium has almost duplicated. Luckily in 5 years i never had to submit a claim so i cannot say wheter they do pay or no. For reference, this is what i paid for a mixed rottweiler since we got her at 2yrs old 2021-$109 2022-$110 2023-$124 (13% increase y/y) 2024-$157 (27% increase y/y) 2025-$188 (20% increas y/y) 2026-$220 (17% increas y/y) From 2021 to 2026 the insurance increased duplicdated (101%) read more