Really appreciated customer service working with me on changing a diagnosis on the original claim showed the wrong one. Apparently there isn’t a claim for an illiosoas strain, but there is muscle st... See more
Company replied
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Review summary
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What people talk about most
Reviews shaping this summary
They authorized my vet to receive pay from Trupanion within an hour or two, so I only had to pay my share. 4 stars and not 5, because it was a while to wait in the vet office and they only cover 90% n... See more
Company replied
I had never purchased pet insurance before I got Jasmine. Having the insurance pay the veterinary bills directly to the clinic on the same day as the surgery made things so much simpler. Thank you for... See more
Company replied
Trupanion has covered upwards of $12,000 in vet care for my dog over the last three years. She's had a run of bad luck - being attacked by bigger dogs, a (fortunately operable) cancer, and a new IBD d... See more
Company replied
Company details
- #10 of 17 best companies in 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
6100 4th Avenue South, 98108, Seattle, United States
- 855-210-8749
- info@trupanion.com
- trupanion.com
4.4
Excellent
12K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 99% of negative reviews
Typically replies within 24 hours
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Good response
July 16, 2026
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, Gloria! Our team is here for you should you ever have any questions or concerns. You can reach us anytime at (855)210-8746
Best wishes,
The Trupanion Team
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, Anna! Communication is a top priority for us, as we want you to keep a peace of mind when it comes to the care of your pet. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
Excellent - but after an appeal
Excellent - but after an appeal.
The claim for necessary dental extractions was initially denied, but was fully reimbursed after review on appeal.
July 17, 2026
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, Frank! We understand you did not have the initial claims experience you had hoped for, but we are happy we could sort this out for you. We want you to feel confident about your coverage, and should any questions or concerns ever arise, you can reach us anytime at (855)210-8746. Our team is here to support you 24/7.
Best wishes,
The Trupanion Team
First time I had pet insurance
First time I had pet insurance.
Quick efficient and simply amazing service, claim process and payment.
July 17, 2026
Reply from Trupanion
We appreciate your kind words and for trusting Trupanion to protect your pet! We strive to review claims as quickly and efficiently as possible, 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
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, Susan! We are here for you 24/7 and you can reach us anytime at (855)210-8746
Sincerely,
The Trupanion Team
Reply from Trupanion
Melissa, we appreciate you sharing your experience with us here! It means the world that you chose Trupanion to protect your pet. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
Definitely worth the premiums…
I had never purchased pet insurance before I got Jasmine. Having the insurance pay the veterinary bills directly to the clinic on the same day as the surgery made things so much simpler. Thank you for your part in helping us take care of her.
July 15, 2026
Reply from Trupanion
Thank you for taking the time to share your experience with us here and trusting us with Jasmine's medical coverage, Phyllis! Our team is sending our best wishes for a smooth recovery her way. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
PROMPT and SPEEDY Processing of Claims -
Trupanion quickly processes claims and the payment goes directly to my vet. This was extraordinary and much appreciated.
July 16, 2026
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 strive to review claims as quickly and efficiently as possible 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.
Best wishes,
The Trupanion Team
I would recommend Trupanion to any pet…
I would recommend Trupanion to any pet owner I know. The claims are so easy it’s so worth the monthly payment. It gives you peace of mind that you will be able to care for your pet no matter what health concerns may present! We love Trupanion!!
July 16, 2026
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, Sarah! Our top priority is to provide you with a peace of mind when it comes to your pet! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
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, Robert! We are here for you 24/7 and you can reach us anytime at (855)210-8746
Best wishes,
The Trupanion Team
Outstanding service
Promptly addressed the invoice from our vet and provided a complete explanation of what was paid and why.
July 16, 2026
Reply from Trupanion
Craig, we appreciate you sharing your experience with us here. We are very grateful to be here for you and your pet. We strive to review claims as quickly and accurately as possible, so your focus may remain on their care. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
It was fast and easy
July 16, 2026
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, Zylkia! We are here for you 24/7 and you can reach us anytime at (855)210-8746
Best wishes,
The Trupanion Team
Such a good company
Such a good company. I get reimbursed in almost 24 hours or less and at a 90% reimbursement rate. They have always been reliable. Only negative thing I would say is the rates are consistently increasing.
July 16, 2026
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, Elizabeth! We understand how frustrating it can feel when your cost changes. Please know it is not something we take lightly. Costs can change, as the cost of veterinary care is an ever-fluctuating field. We strive to price every pet as fairly and accurately as possible, according to their unique factors at enrollment, as well as their chosen coverage options. If you wanted to look into options for the cost of your policy, or your specific coverage, we would be more than happy to do that with you. We are here 24/7 and you can reach us at (855)210-8746
Sincerely,
The Trupanion Team
Trupanion has upped their game since my…
Trupanion has upped their game since my terrible experiences with them in 2025 (see earlier reviews). While they may take a little time, they have been paying my claims in a fair manner, including back-to-back expensive visits to the ER. I have not had to call them in over a year and certainly have not been given the run-around that I experienced in 2025. I appreciate that Trupanion listened to my truthful reviews and that they have greatly improved their customer service and their commitment to allowing pet owners to take proper care of their beloved companions. - Thank you, Trupanion.
July 17, 2026
Unprompted review
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, Susan! We are grateful we can stand by you and your pet, when they need us the most. Our team values your thoughts and we always share feedback with our team to provide you with the best experience possible. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
Stay away from Trupanion!
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.
July 17, 2026
Unprompted review
Reply from Trupanion
Dekel, we appreciate you taking the time to share your experience with us and for trusting Trupanion to protect your pet. We understand seeing a change to your cost can be frustrating and it is not something we take lightly. As pet owners ourselves, we believe in pricing for the lifetime coverage for your pet and believe all insurance should be evaluated the same way. Veterinary care costs have increased significantly over time and due to these fluctuations, we have to make the difficult but necessary decision to ensure your policy costs remain balanced with this change. We strive to be transparent as possible, and to provide you with information so you may make the decision that works best for you and your pet. We understand you have decided to cancel with us, and we are sorry to see you go. Please know our team is still here for you should you have further questions or concerns. You can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
After almost four years of paying…
After almost four years of paying Trupanion premiums for two dogs ,more than $6,000 in total , I finally submitted a claim when one of my dogs required medical attention. The claim was approximately $1,800, and Trupanion denied coverage based on their interpretation that three related medical issues required three separate deductibles.
This is an unreasonable and misleading approach. The procedures involved the same surgery, the same anesthesia, and the same biopsy, yet Trupanion treated them as unrelated expenses solely to avoid payment. I was even advised that multiple tooth extractions performed during the same procedure it will be subject to separate deductibles.
This defeats the entire purpose of pet insurance. After this experience, I immediately canceled my policy. My recommendation: read the fine print carefully and consider saving your money yourself. Based on my experience, Trupanion failed to provide the protection and reliability they advertise.
July 16, 2026
Unprompted review
Reply from Trupanion
Eugene – we appreciate you taking the time to share your experience with us here. We are sorry to hear your pup required medical attention and hope they are recovering swiftly. We understand it can be hard when claims are not covered in the way you had expected. We want our members to get the most value out of their coverage plan, which is why we offer a per-condition for the lifetime of that condition deductible. That way, our members don't have to pay the same deductible year over year for the same issue, which can be especially helpful for chronic or ongoing conditions. In the event that multiple eligible conditions show up during a procedure, they do need to meet their individual deductibles before payout occurs. However, once your deductible has been met for any eligible injury or illness, we can help with any related costs for the rest of that condition's duration - even if it lasts your pet's entire life. We understand you have decided to cancel your coverage plan with us, and are sorry to see you go. Please know our team is still available to you should you have further questions or concerns. You can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
Trupanion is INCREDIBLE
Trupanion is INCREDIBLE, but I wish they covered just a bit more of our recent experience. We ended up paying 25% of the $4600 bill , even though my premiums for my cats are very high every month. Feels kind of ridiculous that $700 in exam fees weren't covered. Still a life saver though, (literally). Ease of use is outstanding and quickness to respond even better.
July 15, 2026
Reply from Trupanion
Michael, we appreciate you sharing your thoughts with us here. It means the world that you chose Trupanion to protect your kitties. We understand it can be frustrating when claims are not covered in the way you had hoped. Not all coverage plans are the same, and here at Trupanion, we choose to focus on helping with direct treatment costs for pets in the event of unexpected emergencies, which can be difficult or impossible to budget for. An exam fee is not included in our coverage plan, whether it is for an emergency visit, or wellness, as they are considered part of the general cost of visiting the veterinarian, rather than the treatment of that specific condition. Our team is here for you 24/7 should you ever have any questions or concerns. You can reach us anytime at (855)210-8746. We are sending our best wishes for a smooth recover to your kitty!
Sincerely,
The Trupanion Team
Thank you Trupanion
Thank you Trupanion, if not for our Trupanion Pet Insurance, our out-of-pocket would have been a huge blow to our finances! We are so glad that years ago our past veterinarian suggested that we sign up for Trupanion and we also love that we don’t have to lift a finger trying to file a claim. VCA files it for us and the quick response from Trupanion comes through while we sit in the doctors office! Both the clinic and the pet parents gets emails with the speedy response!
July 14, 2026
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, Lawrence! We strive to provide a seamless claims experience, so your focus may remain on the care of your pet. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
Trupanion is the east and easiest way…
Trupanion is the best and easiest way to go. Fast efficient and caring
July 14, 2026
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, Carol! We are here for you 24/7 and you can reach us anytime at (855)210-8746
Sincerely,
The Trupanion Team
I am extremely disappointed with dishonest renewal premiums
I am extremely disappointed with Trupanion Pet Insurance.
The monthly premiums have always been expensive, but Trupanion has now increased my premium by approximately 25%. I was already paying about $150 per month for my two-year-old German Shepherd, and I have maintained coverage since we first brought him home. My new premium is now approximately $200 per month.
The explanation I was given was that there had been too many claims and that the cost of my dog’s care had become too expensive for them. That is extremely frustrating because covering necessary medical procedures is the entire reason people purchase pet insurance.
In my experience, Trupanion is happy to collect high monthly premiums and deductibles, but once the insurance is actually used, the customer can face a significant increase at renewal. This makes pet owners feel financially trapped at the exact moment they are trying to provide necessary care for their animals.
Be cautious when reading reviews about Trupanion covering cancer treatments or other expensive procedures. They may pay eligible claims, but that does not mean your monthly premium will remain affordable afterward. My experience has been that once the claims became costly, the premium increased substantially.
Charging nearly $200 per month to insure a two-year-old German Shepherd is extremely difficult to justify. Pet owners deserve transparent pricing and should not feel punished for using the coverage they have paid for.
Shame on you, Trupanion.
July 17, 2026
Unprompted review
Reply from Trupanion
Hi Dom,
It means the world to us for you to protect your pup with a Trupanion plan, and we appreciate you sharing these concerns with us here. We know it's never easy to see a change to your monthly cost or pay more for your coverage. We'd like to offer some clarification here into your pricing factors and why your price changes overtime.
We strive to price each pet as fairly and accurately as possible. Your pet's pricing will always be based on your pet's unique factors at enrollment. This includes their breed, sex, age at enrollment, and geographical location as determined by their postal/ZIP code, as well as your chosen coverage options.
Our coverage plans are designed with long-term care in mind. We want to be there for you and your pet for their entire lifetime, and as such, it's important for us to continue to align our prices with the trends and changes we're seeing in the industry that we cover - veterinary medicine. We'll look into how the cost of veterinary care is changing due to inflation and advancements in veterinary technology that help pets get the care they need but often come at a higher price point. We'll also examine how many pets are receiving treatment as more people welcome new pets into their homes.
We'll then apply our findings to your pet's unique factors - that determines your updated monthly cost. Insurance is a shared risk, so we'll never punish an individual pet for celebrating a birthday or needing to use their coverage, and we'll never reward pets for staying healthy and not needing to utilize their plan. Any changes to your account will always be made so that we can be there for you and your pet no matter when or where you need us - or for how much.
We take your situation seriously and we want you to know that we're available at anytime to discuss your pricing with you in further detail to offer any additional clarification or answer any additional questions we can. Please call us whenever we can help at (855)210-8746. We're here for you 24/7.
Take care,
The Trupanion Team
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