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Trupanion Reviews 

12,700
•
TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Looking at 2,835 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently mention that claim processing is remarkably fast and efficient, with many deeply appreciating the direct payment option available at veterinarians. People also consistently point out the incredibly helpful customer support, noting that representatives provide reassuring guidance during deeply stressful medical situations. Some reviewers were not happy with the significantly rising monthly premiums and the expensive costs accumulated over time. A few consumers also expressed frustration that certain routine checkups or specific long term treatments were not covered by their policy. Others noted that navigating unexpected expenses became challenging when deductibles applied strictly to individual conditions.

What people talk about most

Service

Customers consistently note positive experiences with service, highlighting fast emergency surgery approvals... See more

Claim

People report positive experiences with claim processing, frequently highlighting quick payouts, fast... See more

Payment

Clients share positive opinions on payment, noting that claims and reimbursements are processed very quickly... See more

Customer service

Consumers find customer service to be positive, noting that support agents are patient, kind, and efficient... See more

Price

Customers had ambiguous experiences with price, as some reviewers praised how much money was saved during... See more

Reviews shaping this summary

Rated 4 out of 5 stars

You promise that even when my puppy is a full grown, 15 year old dog she'll be a puppy to you. Her coverage will not decrease with age. I can't receive the form as proof of her being a SERVICE DOG,... See more

Company replied

Rated 5 out of 5 stars

We recently had to say goodbye to Dakota and were thankfull that the cost associated with her care was something we never had to consider. Throughout her 11 years with us we had to face som... See more

Company replied

Rated 5 out of 5 stars

Trupanion has taken away the financial worry of having to pay for my dog's injury or illness. It literally has saved my pets life as I would not be able to pay for his allergies or allergy induced ill... See more

Company replied

Rated 5 out of 5 stars

the upfront submission at the IVS clinic saved me from footing an extremely expensive emergency surgery. It was one less weight on my shoulders while worrying about Toby, and I was impressed with the... See more

Company replied


Company details

  1. Pet Insurance Company

Written by the company

At Trupanion, we understand that being a pet parent is a 24/7 job. So, we’re here to help with quality pet insurance coverage and award-winning customer service available 24/7/365. We’ve been covering dogs and cats for over 25 years, prioritizing their health with no payout limits, all breeds covered, and VetDirect PayTM (that’s the ability to pay veterinarians directly at time of checkout). Enjoying the protection Trupanion has provided your pet? Help other dog and cat parents by leaving us a review. Not a member of our pack yet? Learn more about how Trupanion coverage works, or get a free quote for your pet today!

Written by the company


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

13K reviews

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Replied to 99% of negative reviews

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4.4

All reviews

(12,700)

2,737 reviews in the last 12 months

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Rated 5 out of 5 stars

Peace of Mind Managing costs for Sugar’s health needs…

Managing costs for Sugar’s health needs through Trupanion is timely, efficient and gives me peace of mind in making the best decisions for him.

October 22, 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with Sugar's medical coverage, Sharon! Our top priority is to ensure you may keep a peace of mind when it comes to your boy! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Great experience

They are quick to process claims.

October 21, 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Xavier! We strive to review claims as quickly and efficiently as possible! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Trupanion is always reliable with…

Trupanion is always reliable with claims and payment.

October 20, 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Russ! Our goal is to provide you with a quick and efficient claims experience so your focus remains on your pet. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Best Company Ever

This review addresses the most recent claim, as well as all other claims. I have never dealt with a company that's as efficient, timely, responsive, and transparent as Trupanion. They immediately acknowledge receipt of claims submission, and they have a decision within 24 hours typically. They pay according to the policy terms, no messing around. If they don't cover something, they clearly explain why it's not covered. We'll definitely be lifelong customers.

October 20, 2026
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Reply from Trupanion

Your kind words mean the world to us, Melissa! Thank you for taking time of your day to share your experience with us here! We are grateful you entrusted Trupanion with your pet's medical coverage and our team sends you both our best wishes of health and happiness. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

With love,
The Trupanion Team

Rated 5 out of 5 stars

Wonderful experience overall

Wonderful experience overall! I have had Trupanion with the last six animals and finally in this most recent one really paid off. Our 2-year-old dog apparently was able to blow out both her knees mostly due to genetics and things to Trupanion we were able to afford the $6,000 surgery to get both done. In the end it was much cheaper and very worth it for us. It was also super convenient that the specialty hospital that we did her surgery with accepted payment directly from Trupanion so we didn't have to wait for reimbursement. Thank you very much! I can tell this is going to be an expensive pup but thanks to Trupanion I don't have to freak out as much about it

September 23, 2026
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Reply from Trupanion

Jackie - it sounds like you have endured some stressful times with your pet's, and we are so grateful we could be there to support you through them. Thank you for taking time out of your day to share your experience and choosing Trupanion to protect your pack over the years! Our team is sending our best wishes to all of you. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

With love,
The Trupanion Team

Rated 5 out of 5 stars

Excellent service

Excellent service

October 21, 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Nancy! We are here for you 24/7 and you can reach us anytime at (855)210-8746

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Excellent experience with Trupanion for…

Excellent experience with Trupanion for the last 13 years! All 3 of our dogs are insured with them and Trupanion has been extremely responsive and helpful throughout those years. Their customer service is the BEST!!!!

October 21, 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pack's medical coverage over the last 13 years, Joe! Your kind words truly mean the world and we are so grateful to be here for you all! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

It was simple to have the claim taken care of

It was simple to have the claim processed at our Vet. All we had to do was let them know we had Trupanion and they took care of the rest.

October 21, 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Steven! We strive to provide you with a seamless claims experience to ensure you keep a peace of mind! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars
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Reply from Trupanion

Thanks so much for sharing your experience with us here and being part of the Trupanion family! We're so glad we're able to be there for you and your pet. Please let us know whenever we can offer our support now or in the future. We're here for you 24/7 at (855)210-8746!

Take care,
The Trupanion Team

Rated 1 out of 5 stars

Don’t know we’re alive

Joined Trupanion in Sept 2026 with a monthly payment of $257 They have taken off 2 monthly payments so far and are still sending me emails asking if a want a quote on joint their insurance firm
I have called and spoken to a representative once about the fact that I’m already a member and want the emails to stop ! I was given excuses and no responsibility was taken and I’m still getting emails asking if a want a quote ? With this king of documentation being kept I wonder about the quality of such an organization I have cancelled all emails from them Oct 22/26 which is too bad as I I enjoyed the educational info given

October 23, 2026
Unprompted review
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Reply from Trupanion

Hi Debra,

We appreciate you taking the time to share your experience with us here, and we understand that this hasn't been the experience that you had hoped for! We'd like to help make sure the communication you receive from us is the communication that is relevant to your account status with us. Sometimes when you start a quote with us under an email address that is not associated with your active membership on file, you can receive emails regarding your quote status to that email address.

We believe we were able to locate your account with the information provided here and see that a member of our team has added the email address used for the quote to our unsubscribe list. If you continue to have issues concerning the emails you are receiving, please call us for further troubleshooting and assistance. We're here for you 24/7 at (855)210-8746!

Take care,
The Trupanion Team

Rated 1 out of 5 stars

Your company is so expensive and the…

Your company is so expensive and the coverages suck. The only reason I signed up is because the breeder gave me a free month. $203 a month for a 8 week old puppy is a ridiculous amount to pay for shitty coverage. I will be canceling my policy before i have to pay.

Nice AI response to my criticism lmao

October 20, 2026
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Reply from Trupanion

Hi Steve,

We take your concerns seriously and appreciate you taking the time to share them with us here. We want pet owners everywhere to choose the best option for protecting their pets in the event of the unexpected - whether that's through a personal savings account or a provider. Our coverage plans are designed with long-term support in mind, which means that our plans may start out at a higher price than other providers. This is because we expect to be there for you and your pet throughout their entire lifetime, all while providing you with access to unlimited payouts when you need us most.

We want you to know that our coverage plans also offer a wide variety of options to help you tailor your monthly cost to your budget. We'd be glad to go over them with you directly to offer the best information and support we can. Please call us anytime to get started at (855)210-8746. We're here for you 24/7.

Take care,
The Trupanion Team

Rated 5 out of 5 stars

Team you can count on.

Trupanion Team is very helpful. They care about our babies, they are always available to answer questions and offer guidance.

October 21, 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage! We are here for you 24/7 to ensure you can keep a peace of mind! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Bets wishes,
The Trupanion Team

Rated 5 out of 5 stars

Easy enrollment

Enrollment to continue after first month of free coverage offered by breeder was easy. Details of available plans explained to help me select the best one for my puppy. Trupanion offers some benefits other insurers don't.

October 18, 2026
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Reply from Trupanion

Thanks so much for taking the time to share your experience with us here, Kenneth! We're so glad you were able to get your plan started through your breeder, and we hope both your pup and you are doing well. Please let us know whenever we can offer our support now or in the future. We're here for you 24/7 at (855)210-8746!

Take care,
The Trupanion Team

Rated 5 out of 5 stars

Legit Pet Insurance

I was a little skeptical when enrolling my pets in the insurance plan that it would actually be legit. I unfortunately had to use it recently after my dog needed emergency surgery and happy to say Trupanion came through and provided the coverage saving me a lot of money.

October 20, 2026
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Reply from Trupanion

Darrell, we are so grateful you made the decision to choose Trupanion to protect your pets! We are dedicated to providing you with a peace of mind. Our team is sending your pup our best wishes for a smooth recovery from their surgery. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Beyond Grateful

I can't give enough stars to express the gratitude I have toward the ease of use and coverage we have with Trupanion. We had to travel to another state to get more immediate care for my beloved dog when she presented with sudden neurologic issues and our local emergency vet couldn't find a time to get her in for an MRI for over a month. Knowing we had help to cover the costs allowed us to seek out the best care for our family member and it's a good thing we did. We discovered a good sized brain tumor in our small dog that may have reached a critical point before the first scheduled scan. Trupanion was quick to pre approve and cover the tests and treatments without any hassle or pushback. This allowed us to focus on getting our sweet girl the treatment she needed instead of worrying about the money side of the equation.

October 20, 2026
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Reply from Trupanion

We understand you and Poppy faced a very traumatic time and our team is sending your sweet girl our best wishes for a smooth recovery. Thank you for trusting Trupanion with her coverage and sharing your experience with us here! Please let us know if there is ever anything you need. Our team is here for you 24/7 at (855)210-8746.

With love,
The Trupanion Team

Rated 5 out of 5 stars

Best Insurance Ever

You guys are the best! You always answer, & filing claims is quick & easy. You help save our fur baby's life, and we are forever grateful!!

October 20, 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Grant! Your kind words mean the world to us! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 2 out of 5 stars

I’m already giving them only two stars…

I’m already giving them only two stars because I just signed up my puppy for insurance and before they have given me any service at all they are already asking me for a review when they haven’t conducted the first bit of business with me which is very annoying already to be asked that if a company that had done nothing for you yet! It’s a little early to be asking me for a review that I feel is just a way to try and get a positive review goin for them before they have even done the work which I find shady an I do not like it almost makes me want to cancel my insurance with them already to be asking me for a positive review before you have even done anything for me. So I’ll give u a review I give you two stars for aggravating me to ask me for a review before you’ve done the work maybe next time try earning it an you will get a better review because to me that’s a shady way to get your ratings up higher without actually earning it! Try harder trupanion and do better on your rates because think they are too high for a pet bc pets don’t utilize thier insurance the way that us humans do an they don’t visit doctors usually regularly unless the animal is sick so I think the rates should be a little lower. It’s sad that we basically get ripped off for things that we basically have to have in life for health reasons and companies like this seem to take advantage of that and profit off of it forming multi million dollar companies off our basic needs just trying to keep our pets and loved ones alive an healthy it’s simply sad an disgusting honestly since you wanted my honest opinion you got it. I chose this company not bc I wanted too it not because it was great but because it was a necessity if I wanted my pet to live a healthy long life and I feel company’s like this take advantage of the fact that insurance is a necessity so I think they could make pet insurance a little more reasonable for pet owners seeing as it’s a have to basis that’s why most people are choosing to go without insurance an neglecting their animals care bc they simply can’t afford over a thousand dollars a year almost 2,000$ for a pet that may not even get sick it’s just a risk you have to take that’s just it it’s a gamble with a life and more animals are dying bc it’s unaffordable these days I think they are asking alot monthly when most pets don’t even get sick throughout the year or seek care unless there is a health condition

October 16, 2026
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Reply from Trupanion

Hi there,

We appreciate you taking the time to share this feedback with us here, and we understand that this hasn't been the experience that you'd hoped for. We want you to feel confident in the coverage plan that you've chosen to protect your pet with, and we'd like the opportunity to discuss your concerns with you directly to offer our support. We believe we've located your account with the information provided here and a member of our team will be reaching out soon. We hope to connect with you shortly!

Take care,
The Trupanion Team

Rated 5 out of 5 stars

Easy for claim process!

Easy for claim process!

October 20, 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Trupanion reviews and pays claims quickly

Trupanion reviews and pays claims quickly. This is the first time I have purchased pet insurance and I am very happy I chose Trupanion.

October 20, 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Shirley! We strive to provide you with a quick and efficient claims experience so your focus may remain on your pet! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Trupanion Customer Service

Trupanion Customer Service provided excellent service whenever I called. Each person was helpful, kind, and proficient. All questions were thoroughly answered.

October 11, 2026
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Reply from Trupanion

Hi there,

Thanks so much for taking the time to share your experience with us here, and for trusting us with your pet's medical coverage! We're so glad our team was able to help you out, and we want you to know that we're here to support you anytime now or in the future. You can reach us 24/7 at (855)210-8746, or via live chat through your member portal online. In the meantime, be sure to give your pet lots of extra belly rubs from us!

Take care,
The Trupanion Team

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