Trupanion Review
Find a customized quote easily
Reviews 10095 
Courtney
Forever grateful for Trupanion
In the 11 years I’ve had my dog he’s never been sick, until one day he was suddenly, critically ill. Knowing he was covered by Trupanion made every decision a little easier, not having to worry about affording his care. He was treated by two different ER hospitals and a specialist for surgery. One hospital was able to work directly with my insurance which made things seamless. I was able to submit my invoices online from the other facilities and receive reimbursement promptly, which was directly deposited in my bank. My dog survived his sudden illness, and Trupanion quickly stepped up and paid for most of his care. I am forever thankful.
Lynne Morgan
Filing the claim was easy, completion of the claim and payment was expeditious!
Filing the claim was easy, and fast. Approval came within a couple of days and payment was processed within 24 hours. I was provided full details on what was and wasn’t covered in my claim and was updated daily on the progress of the claim. I would recommend Trupanion to anyone looking for pet insurance!
Sonya
Everything was so easy
Everything was so easy
Kelly
My puppy ended up needing major surgery…
My puppy ended up needing major surgery due to a cyst removal. Trupanion made a very emotional time for my family a lot easier financially. We never thought an expensive surgery would be needed at such a young age. Thank you Trupanion!
Thomas
Their response time is very fast,they…
Their response time is very fast,they are very pleasant answering your call,they are very knowledgeable about your concerns, and they are very efficient. I would recommend this company to anyone looking for good animal insurance. Very well pleased.
SHARIF
The insurance was so fast and covered…
The insurance was so fast and covered so much!
Jamie
Filing our first claim was super simple…
Filing our first claim was super simple and we got a fast response. We also love that you work directly with vet clinics
Meryl
This was my first time submitting a…
This was my first time submitting a claim. I called first to get a quote. The rep was so nice and informative. My claim was reviewed that day and a quote was given. I submitted the claim and it was paid to the vet right away.
Michael Hoffman
Truly great company
Truly great company. I always had confidence you had our backs. My pet Yurei had coverage thru her operations. And we always found your people competent, pleasant and compassionate. Wonderful. Thanks.
janice carter
I have had 3 English bulldogs and 4…
I have had 3 English bulldogs and 4 frenchies insured with Trupanion. I can say with certainty that my experience has always been super positive. I always recommend Trupanion to anyone who needs insurance for their pets. Thank u Trupanion for always being so caring and lovely to deal with. Sincerely Janice carter
Tom
Always a quick response
Always a quick response. Promises kept.
Cynthia
Pet insurance is a must!
The response was quick and the different bill from more than one site we easily combine since it was one illness for my doctor
Laurie
Clover's mouth mass
Trupanion responded quickly and efficiently; which I really appreciated! It was a time of stress and worry with our pup and it was such a relief to not have to think about insurance matters.
Steven
Excellent insurance
Easy to use and straightforward policies that are easy to understand. They have policies to fit any budget. I have had them for two of my dogs over the last 15 years and highly recommend them. They repay claims quickly and with no fuss. It is easy to submit them online as well.
Pedro Zayas
Helps a lot
Helps a lot with the vet bills with out any questions. I'm still dealing with my dog and they are still helping
jill levi
Prompt decision
Prompt decision. Much appreciated
Betsy Guimond
Pretty easy to work with
I think they were pretty easy to work with, the website is easy to navigate and uploading a claim is a breeze. I did not have any trouble with reimbursements but was worried that I would because I have read some reviews that this might be a problem. That was not my experience. I will say that they are expensive but the series of claims that I did make made it so much easier to get the best care for my pet while she was ill. The bills were steep and my husband had been laid off, it made a big difference for us. My girl died recently and they made it very simple to cancel the insurance. All in all, I am glad I had it. Given my budget though, I would probably self-insure another pet by putting money in account set aside for emergencies. Vet care is expensive and unlike the before time, I think I am going to have to budget for it.
Rachel MOHL
Trupanion Is A Lifesaver
Trupanion has been a life saver for our now four year old yorkie mix. Every issue we have had with our dog has been covered. If I have a question about anything, customer service has been kind and helpful. My dog unfortunately suffers many ailments and Trupanion had been the best choice for our little family. Through anaphylactic bee stings, stomach issues and knee surgery, Trupanion had helped us each step of the way.
Gina A
If I could give Trupanion 20 stars!
If I could give Trupanion 20 stars I would! Worrying about your pets health and declining condition is hard enough. Knowing Trupanion is there supporting you financially is huge. It would be nicer if I didn’t need them, but knowing I do brings immeasurable comfort.
Heather Barczak
Quick and easy claim submission process…
Quick and easy claim submission process that resulted in reimbursement within a few days!
Lori
My vet was not set up to file claims…
My vet was not set up to file claims with Trupanion so when I had to file myself it was super easy. Payment was fast, and they sent me communication every step of the way.
Ann Marie
Fast response time for submitted claims
Fast response time for submitted claims
Jennifer
The best customer service!!!
The best customer service!!!
Kat DiPiero
We have had Trupanion for 10 years…
We have had Trupanion for 10 years since our Pomeranian Enzo was a little puppy and we LOVE, LOVE, LOVE you! You are so responsive and pay very quickly. Your customer service is always friendly and helpful! With every pet we will continue insuring with Trupanion!
Veronica
We had to take Willow to the emergency…
We had to take Willow to the emergency vet hospital, They ran everything through Trupanion and then we got the bill for the balance was very easy to use. Thank you
Anna Hild
Trupanion quite literally saved my…
Trupanion quite literally saved my dog’s life. My young yorkiepoo suddenly snapped his front leg—one of the most common breaks for small dogs, but also one of the most expensive injuries to treat. We rushed to the ER vet, and the estimates for splinting, pain meds, imaging, and the upcoming surgery were completely overwhelming. The truth is heartbreaking: without Trupanion, I would have had to put him down because there was no way I could afford the full cost upfront. Trupanion covered 90% of everything after my $700 deductible, and the relief I felt was indescribable. They processed the claim quickly, and I didn’t have to battle with paperwork during the scariest week of my life. Because of them, my puppy is home, splinted, safe, and waiting to see the surgeon—and he has a chance because they made it possible. I will never own a pet again without Trupanion. They turned what could have been a tragedy into a second chance. I cannot recommend them enough. Thank you, Trupanion, for saving my dog and my heart.
clair
I was devastated when I found Percy in…
I was devastated when I found Percy in a comatose state. This was a Sunday evening. Percy was transported by car to a 24 emergency hospital in Ottawa Canada. This is a 2hour drive through the border ( also Customs ) from NY state. He was quickly assessed and admitted. His vital signs we’re dangerously low Following 3 days of IV plus observation Percy was Transferred to another clinic for Neurological assessment. Percy is now in his home on careful supervision. Percy is on the road to recovery. This is with assistance from the Trupanion staff Trupanion was ( and is ) a phone call away. I wish to say a sincere Thankyou for all you do Mary Mackinnon
Carol
Extremely Competent
Fast and responsive
Peter Fiorica
Great service
Great service
Melissa
All details
I submitted a claim from Amazon for a supplement my veterinarian recommendation that they didn't carry. On the Amazon App with my phone the name of the supplement was cut off on the invoice. I had to resubmit the details again for them to process the claim, but the turnaround time was less than a day.
Linda
Trupanion rocks!
The convenience of Trupanion is wonderful! My veterinarian fills out the claim and before I leave the clinic, I have my approval and I pay my portion only. It’s great!!!
Betsy Forhan
Best Customer Service
Trupanion has the best customer service. They respond quickly to every inquiry (and with a friendly attitude to boot!). They also pay claims very quickly as well, which is very helpful when you're facing a big vet bill.
Yvette
Quick and easy while at vets office!
Quick and easy while at vets office!
Jamie
They are there to help the needs of my…
They are there to help the needs of my cat
Patty
My dogs medical bill was paid
My dogs medical bill was paid after having to file an appeal due to a billing problem. Thank you. The only complaint I have is the monthly payment. $160.00 seems pretty high for a 5 year old dog. It’s almost as much as much as my Medicare payment ($185.00 a month). I have considered looking elsewhere but your insurance is easy to use with fast response and payment if billed properly.
Philip
The simple experience of filing a claim…
The simple experience of filing a claim and receiving a payment. The process took within 4 days !
Hailey Fuqua
Easy to make a claim
Easy to make a claim, fast response, straightforward answers about what's covered.
Michelle DiBenedetto
Insurance You Can Count On - A TRU must have!
Like all insurance, you have it for worst case scenarios but you hope you never have to use it. Pet insurance is something that I got with my second dog, because I made the mistake of not having it for my first and learned the hard way. My dog is 7 and has never had any major issues, until recently. She is a French bulldog and ate something she shouldn’t have. She ended up needing emergency surgery to remove the object and save her life. The cost was outrageous, and Trupanion came through and covered what the policy stated. I am beyond grateful to have Trupanion, and will never go without a Trupanion policy on any pet I own in my entire lifetime. The vets all made comments about how amazing this company is and not to worry because their experience with their clients and Trupanion was exceptional, even compared to other insurance carriers. Nobody should ever go without Trupanion pet insurance, our pets are our family members and the tragedy of not having this policy in place would have either cost me my dog, or an economic hardship. Thank you so very much, Trupanion!
Caroline
Trupanion has been a great experience
Trupanion has been a great experience. Thanks to Trupanion our dogs got and continue to get the help they need.
Jessica
When you live with an older dog you…
When you live with an older dog you adore, every medical scare carries a weight that’s hard to put into words. Trupanion has allowed us to focus on Haley’s care rather than the financial anxiety that so often shadows veterinary decisions. What I appreciate most is their clarity and consistency. No hidden surprises, no exhausting back-and-forth. Claims are processed quickly and with a level of empathy that feels increasingly rare. Each interaction left me with the sense that they understand what our pets mean to us. Thanks to Trupanion, we’ve been able to follow our vet’s recommendations without hesitation and give Haley the comfort and support she deserves in her senior years. That peace of mind is priceless. I’m deeply grateful for the reliability, transparency, and compassion they’ve shown our family. Trupanion receives my wholehearted five stars.
Ruby
Because you are prompt and caring when…
Because you are prompt and caring when we need it most.
Lisa
For responding so quickly to my claim…
For responding so quickly to my claim request for our little Yorkie, grateful!
BGR
A representative was very helpful
A representative was great about walking me through the first claim that needed to be filed.
Nadine
Very easy to submit invoices and…
Very easy to submit invoices and although monthly is costly they cover a good amount for emergency services
John
Always extremely helpful and immediate…
Always extremely helpful and immediate response to our claims.
America
Every time I call they listen and…
Every time I call they listen and helping go thru my situation, questions and concerns.
Charlie
Honestly I love Trupanion
Honestly I love Trupanion. We’ve had four of our pets insured with them. They have been there for us and helped to make difficult decisions easy. The people that work there are amazing as well. Whether you chat online or call them they are always friendly and helpful. They go above and beyond for you. The customer service is outstanding. Although they cost a bit more than other insurance I wouldn’t choose anyone else to help take care of my pets. They’re fast with paying claims. They offer direct pay at certain Veterinary clinics and Hospitals. They have helped us to give our pets the very best care possible. We are so grateful for them.
Keith
Insurance is based on trust
Insurance is based on trust. We make the payments monthly and trust you will be there for our pets when/if needed. You were there in an amazing way for our Lab, Lila. Not only were you there but the process was so easy. We can’t thank you enough!
Christa
Fast claim assessment!
Fast claim assessment!
ROSE
I was unaware that my vet had a…
I was unaware that my vet had a connection to the Trupanion network. The nurses at the hospital were able to connect my dog’s account to their invoice. The payment was done directly to the vet. Quite amazing.
Jennifer
Best Pet Insurance Hands Down
Trupanion processed my claim, approved it and reimbursed me in a couple of days. Their explanation of how the claim was processed is clear and easy to understand. In the past when I have called them, an actual human being picks up, who is able to answer my questions. I absolutely love Trupanion for their products and service!
Howard Lewis
Very easy to file a claim
Very easy to file a claim. The site is just as easy to navigate. Response time is quick and access to to all information pertaining to your claim is right there to look at.
Michael Abraham
Trupanion sets conditions so that it…
Trupanion sets conditions so that it takes the perfect storm to have one's pets take advantage of benefits. Now they are increasing premiums. Be sure to shop around.
Richard
Trupanion is the best pet insurance…
Trupanion is the best pet insurance I've used so far. My Huskey mix was not insured when he needed urgent care the first time and after my vet convinced me, I had him isured through Trupanion. A month later, he needed urgent care again. Thanks to my vet, this time he was insured and Trupanion really made the process easy for us. One of the clinics accepted Trupanion at the register and their portion was paid immediately while I paid the remaining balance. The reimbursement process for the other clinic visit was easy and I just had to submit the invoice online and it was approved within 24 hours. I couldn't be any happier with this company!
NILZA TORRES
Fairness in reimbursement of claims
I was very worried that I was going to be overcharged for Asher's last visit. Upon submitting the claim for further review,, someone there got it right. That's when I found two emails indicating that you were refunding money that, I was overcharged. That meant alot to me. That I am able to provide the quality care for my Little fur balls.
Gail Lipman Hootstein
Very nice company to deal with
Very nice company to deal with. They resolve claims quickly and it is easy to submit claims.
Claire Tiernay
VCA Baring Blvd treated my lab as if…
VCA Baring Blvd treated my lab as if she was a member of the family and so did Trupanion..They both have been with us for almost 10 years,, as old as both our labs. We were kept informed thru the whole process. Thank you all.
Irena
Excellent experience every time!
Excellent experience every time!
Michael Angelo Rizzi
BEST PET INSURANCE TRUPANION
We have had TRUPANION since our two Toyaussuiepoo 's were puppies. Now 10 years later. We couldn't have been able to cover the high cost of Veterinary Care without TRUPANION. They are friendly, helpful and their phone app makes filing claims easier than ever. I CAN'T EXPRESS HOW IMPORTANT TRUPANION COVERAGE IS. When our Male dog BLU was diagnosed with MVD Mitral Valve Disease. TRUPANION paid 90% of all cost. For 2 1/2 years including his Oxygen Chamber for the last 6 months of his life until we lost him in April 2025. TRUPANION even paid for Lap of Love to have BLU pass away at home 💝 Don't use any other company. You will regret it.
Anna johnson
Trupanion is a trusted and reliable company
I gave the highest rate because is almost 11 years that my pet is under Trupanion. In all this years and different circumstances that we went trough Trupanion always had my back in difficult situations The montly premium is going up throught the years but is all worthed.
Michael
Now that my vet can bill directly to…
Now that my vet can bill directly to Trupanion it streamlines the visits drastically.
Ann
Always quick to respond
Always quick to respond
Abby
TRUPANION IS THE BEST!
Trupanion customer service reps are always friendly and usually very knowledgeable over the phone. Claims being processed have gotten much better and most claims are handled on a 2-3 day turnaround time.
customer
Fast no hassle payment
Fast no hassle payment
Elaine Lochem
Lack of coverage for ongoing medical…
Lack of coverage for ongoing medical issue. Meds paid for but OV due to worsening symptoms and referral for tests denied payment
Joan H
Recommend Trupanion for Peace of Mind
Claims submission through my veterinarians was easy and seamless. I paid only my balance and didn’t have to wait for reimbursement. The surgery was done after midnight at an emergency clinic that closes at 7:30 am. My regular vet provided the recovery care, and the second claim linked to the first with no additional deductible. I recommend Trupanion to friends and puppy buyers. It’s really peace of mind coverage!
Samuel
Great service and fast turn around.
Great service and fast turn around.
Charlene
They are great
They are great
Kathleen
Everyone is always friendly and helpful
Everyone is always friendly
Amanda Barrett
Forever a true believer
Forever a true believer! I signed my dog up back in 2019 and have had to call on Trupanion's coverage for her to many times to count(I think they are pushing 60k in claims they have paid out for her). Calling in or pulling up the chat has always been a nice interaction whether or not I got what I wanted (coverage wise--we had a couple of pre-existing conditions). Direct Pay has been an absolute life saver and has allowed me to give gold standard medicine to my dog and say yes to her doctor/team and keep her quality of life as absolutely good as we can get! I also have worked in Vet Med for over a decade both in general practice and emergency and have seen countless owners face down not going home with their pets or struggling to provide the care they WANT to but are unable to. Whenever I had Trupanion insured kiddos come through the emergency doors while the owners were always stressed out, they could focus on their animal and getting them the best care possible without worrying about cost up front since my hospital had the Direct Pay software. While I know cost can be more pricey than other companies out there, the per-condition deductible and Direct Pay features more than make up for difference in price. I will sign up future pets on Trupanion with the hopes I will never need them but with the knowledge that if needed, they'll be there.
Customer
Best pet insurance to have
My pup needed to see orthopedic and we went to Kinetics in Clermont FL. Trupanion made an awful situation better. Trupanion is so worth having, especially when you are facing a $5,000 invoice. In my case, Trupanion paid the vet instantly instead of me having to pay the whole bill and then get reimbursed.
Lisa Givan
I wish more was covered during the…
I wish more was covered during the treatment phase. I had to put down A LOT of money for the deposit just for a big chunk to get reimbursed when my dog was discharged. I’m glad I have the insurance, don’t get me wrong, BUT, having to have a few thousand dollars upfront to get get my dog treated is tough!! It’s why I got the insurance in the first place! And why I chose Trupanion - because of your direct billing. Both times my pet was in the hospital this past weekend, you grossly low-balled what you would cover leaving me to scramble for a big deposit. When my dog was discharged, THEN you paid more and reimbursed me a big chunk! Thank You for helping us! But I wish you covered the estimate better.
April
Ease in filing the claim and receiving…
Ease in filing the claim and receiving reimbursement in a quick manner.
customer
Quick response.
Quick response. Paid some on the Vet expenses.
Jeremy
Helpful and responsive
Very helpful coverage for my dog's many issues. Excellent response time and always helpful when I need to ask questions . I wish the site made it easier to see the full "explanation of benefits" similar to human insurance.
Pamela
Quick Processing of Claim
Trupanion handled our claim and reimbursement very quickly and the explanation of benefits was easy to understand. Thank you.
julie
Excellent customer service regarding a…
Excellent customer service regarding a problem with an invoice submitted
Keith
Quick response to filing a claim
Each inquiry or claim is dealt with very professionally and readily! Thank you!
Lucy
Trupanion has exceeded all of our…
Trupanion has exceeded all of our expectations. At a time when we were so concerned about our Maisy, trupanion covered so much that we could focus solely on our beloved Maisy. Thank you.
Steve
My dog Rocky was unfortunately hit by a…
My dog Rocky was unfortunately hit by a car a few weeks ago. With the high cost of everything today along with veteran bills for my little guy to repair his broken leg. Trupanion truly took a lot of the stress away from this very traumatic situation. I just thank god I have trupanion on my side in cases like these.
Chevelle
Good experience so far waiting on first…
Good experience so far waiting on first reimbursement
Richard Ruthfield
User friendly
User friendly. Excellent customer/claims service.
Trina
Insure Your Pets! You never know....
My Bull Mastiff had to be rushed to the Emergency Room because she ingested toxic plant material while playing in the garden. Thank you Trupanion for working closely with the Veterinary Clinic to process the insurance claim in real time. I am so glad that I made the decision to invest in this policy. The patient is home now and doing well!
Debra
VCA Kaneohe & VERC
Our veterinarian’s office & the specialist filed the claim for us.
Ryan Waddell
Trupanion has been a lifesaver
Trupanion has been a lifesaver! I was going through such a stressful situation recently with my cat, Slinky. As you know, emergency situations can be life-altering. They are so fast with the claims and making sure things are done. Let's be real though, no one should have to choose to put their pet down because of excess costs. My 6k bill was slashed to $1,200 after my deductible. Slinky will live to see many more days. I urge EVERYONE to get pet insurance through Trupanion.
Krystal
Such ease for submitting our invoices…
Such ease for submitting our invoices and such a quick review of them!
Top Pet Insurance
Pets Best
Read review
Spot
Read review
Lemonade
Read review
ASPCA
Read review
Pumpkin
Read review