Trupanion Review
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Reviews 9851 
Michele S.
Seamless is the best word to describe it
Seamless is the best word to describe using Trupanion. At checkout the vet can submit straight to the and tell me on the spot what they are covering. Or easily take a picture of the invoice and send it to them on their website and almost the next day I have reimbursement in my checking account.
Tracy
Trupanion provides excellent service
Trupanion handled my dachshund back claim in 24 hours. I am so appreciative of their service and will tell others how great they are!!! Thank you so much!
Cherie
A must for dog owners
Great communication and fast reimbursement! We are so happy with Trupanion coverage!
Ruth Narkes
Maddi’s journey
All the doctors were pretty good, little disappointed in the reimbursement
Richard
Very snooth.
Very snooth.. Got information quickly and rapid authorization.
June
Filing the claim
Filing the claim, for my dog was very easy and successful!
LRLeverone
Everyone is so nice and have guided me…
Everyone is so nice and have guided me through what I need to do!
Kelly Sparks
Worth the coverage!
I’ve had Trupanion insurance on my dogs for years. I’ve been blessed that the lab never needed to use it but lived a good life. The Havatsu has only needed it in this year. His dental extractions were denied even though he always had good dental hygiene but began having issues from a malformation in his bite. Trupanion was great in getting his records as best they could. Many of the vets he had seen for regular checkups and vaccines were closed after the pandemic. This latest issue was covered and even though we don’t have the final results yet he is doing well and Trupanion is working directly with the specialist’s office. Thank you.
Penny
Ease of handling claim and clear and…
Ease of handling claim and clear and understandable coverage
Deborah
love how easy it is to file a claim!
love how easy it is to file a claim!
Kristen
Amazing customer service
Amazing customer service. Top notch !
Gretchen McCann
Trupanion was so prompt with their…
Trupanion was so prompt with their responses and so easy to work with when my dog needed to visit an emergency vet hospital. They made a stressful situation more manageable.
Sarah
Suggestions for improvement
Please give at least an option to cover exam fees. This is standard for most other pet insurance programs, and can significantly add up over time when not covered. Why was the option to lower the deductible removed? Even if it means a waiting period, this should be an option, as the only way to lower it is to switch to a different insurance, which doesn’t seem to benefit Trupanion. Other insurance programs allow to lower the deductible, sometimes with a waiting period.
Kathi H
Trupanion has been easy to work with…
Trupanion has been easy to work with and have paid portions of several vet bills. I am please with their service.
Julie
Trupanion was awesome
Trupanion was awesome! Our claim for the unexpected surgery was handled quickly and was an easier process than we anticipated. Made sure we understood every step and were a true partner. Really appreciated the support.
Kimberly
Making a claim was so easy
Making a claim was so easy. They were very prompt at reviewing and paying the vet bill. I am very happy we have them as our insurance for our puppies
Donald
Streamlined claim processes are great
Pre-approval process was used giving us confidence moving forward with care. The claim submission done by the veterinary office was quick and resolved within minutes before leaving the veterinary office, great feature by Trupanion! Medication claim submitted for medication was also resolved within one to two business days. Thank you Trupanion.
Donna
Trupanion makes it easy to file a claim…
Trupanion makes it easy to file a claim and works with our Vets so that it’s done quickly.
Sarah Blanco
Pricing
You guys are great and I stand by paying what I do every month for peace of mind for my pups. But I will say I’m only 7 years in and my monthly cost has since doubled. I know you guys say you don’t punish dogs for getting older and recognize them for the age they were signed up. But I do think you guys could do a lot better price wise.
Setare Jamalizadeh
One less thing to stress about
I had an incident with my pet recently, and was looking at a very intimidating bill. Trupanion covered a large portion, and worked directly with the vet hospital- so I don’t even have to pay up front and be reimbursed. Their customer service was great as well- I used the chat function and they were able to help me right away.
Margaret
Claim handled in a fair and timely…
Claim handled in a fair and timely manner.
Donald and Susan
claim handled very quick
claim handled very quick
Joseph
Fast Processing
I appreciate your quick processing of claims.
Anne
Still waiting for problem on invoicing…
Still waiting for problem on invoicing and reimbursement you are suppose to be contacting bev’s emergencies My dog had oral surgery and then during the procedure they found out that there was a problem with another truth, and they submitted the second invoice brought got pulled together with the first preapproval
Greg
Trupanion literally doubled our monthly…
Trupanion literally doubled our monthly payment. That was deeply disturbing. Also, you did not pay for the recent sick visit fully. We were responsible for the examination fee, and were under the impression that any part of a sick visit would be covered. Otherwise, Trupanion has done a good job with phone customer service, and online ease of use. I always find the customer service representatives to be polite, friendly, and pleasant.
Michele
Very easy to submit claim and fast…
Very easy to submit claim and fast reimbursement for covered expenses.
Joan Garvey
Best pet insurance Ever!
The person I spoke to at Trupanion was so kind and caring! Trupanion was very prompt in approving my claim so that Trent could get needed care fast. This was my first claim and I am so impressed. I have had two other pet insurance companies before that was a waste of money. Not true for Trupanion. Love it!
Carol Martin
Quick claims payments and helpful 24/7 phone assistance.
My claim was paid in less than 48 hours. I had questions about my deductible and how it was applied. The representative on the phone was very patient with me and explained how to proceed for future claims regarding the same issue.
Sandra B.
Thankful for Choosing Trupanion!
Trupanion is amazing! My dog required surgery and the Vet stated that, "Trupanion was the best because they are the only insurance that provides pre-approval quotes so you know how much you will have to pay and what the insurance will pay before the procedure". I am very happy with their services and helpful communications throughout every visit.
Barbara Fe
Trupanion provides quick reimbursement
Trupanion provides quick reimbursement. The only downside is they do not pay toward the office visit, which in an emergency is quite pricey. Otherwise, it is a great choice for pet insurance.
Jerah
An easy process to upload claims and…
An easy process to upload claims and repayments. Thank you!
Deanna
Your insurance takes great care of my…
Your insurance takes great care of my Rocky boy and covers 90% allows me to help with all his needs. Thank you
Rodaba
My experience was amazing just like I…
My experience was amazing just like I had made great experiences before! I was at the emergency clinic with my GSD and the invoice was pre approved within few minutes. I was able to focus on my girl and later paid just my portion! I am so glad I have chosen this insurance for my fur babies! Thank you so much Trupanion !
DOG AS COPILOT
Easy to use
Easy to use, quick responses, and good customer care. I have peace of mind knowing that I will not have to choose between quality care for my dogs and being able to pay my bills.
Maxine
The Best!
I was pleasantly pleased when VCA Simmons Animal Hospital put in a claim for my 22 month old's EKG as a pre-op exam along with Solloquin. The cost was originally $103.00 and my out of pocket for this came to $25.98. A wonderful thing to have, hopefully for only prescriptions and non-emergency services not covered by the VCA Care Club plan.
Kim
Quick service!
Quick service!
Tracey
Trupanion makes my dog's life possible even though she has cancer
I am grateful to have Trupanion coverage, as it would be difficult to afford cancer treatments for my dog without it. Trupanion is very quick to assess invoices and reimburse me: it happens within days of my putting my invoices into the Web site. I find the Web site easy to use, and the instructions clear. Claire's cancer is manageable with this comprehensive coverage.
Scott
Emergency Room Visit
Dog had to go to emergency room and the hospital was able to connect with Trupanion and do my refund right there at the hospital where I did not even need to file a claim such a great convenience I would give more than five stars for this if possible
Rosemary
Reimbursement updates
Staying in touch throughout the whole process of getting reimbursed was important and appreciated. The representative I spoke with earlier in the month was very helpful and understanding.
P. Whitten
Quick and easy process
Trupanion paid the vet directly.
Claire
Customer service has always been…
Customer service has always been pleasant and very helpful. Once I submitted my claims I received a decision and payment very quickly.
Woohoo
Quick fast claims payments
Quick fast claims payments
Rachel
Without Trupanion my very happy, very loved dog wouldn't still be here.
Without Trupanion my very happy, very loved dog wouldn't still be here. I signed up when she was 11 weeks old, hoping, of course, that she would be healthy & never need it. She is now twelve and a half and Trupanion has paid out over a quarter of a million dollars in her claims. Allergies, inflammatory bowel disease, bilateral shoulder repair, hypothyroidism, cardiac disease, osteoarthritis, four different kinds of cancer, plus a benign brain tumor that would have killed her had we done nothing, radiation (twice for said brain tumor, plus once for a soft tissue sarcoma)...you name it and my pup has either had it or is thinking about getting it. Thanks to Trupanion I've been able to give her the best medical treatment available without worry or hesitation. They've paid every claim quickly and without hesitation or hassle.
Nancy
Love
Love Paid 10 years before I had to use it
Melinda
Personal touches make a difference
The claim submissions process is so easy and seamless. Trupanion is always very responsive to any questions I may have. Lastly, although seemingly minor, when my last claim included the euthanasia of my pet, the automated text I received saying the claim had been reviewed started out with saying how sorry they were for the loss of my pet. Although it was still an automated text, that seemingly small detail meant a lot to me. They also automatically discontinued my policy for me without me having to reach out and explain why, and they sent an email letting me know that also expressed their sympathies. The personal touches were much appreciated during a difficult time.
CYNTHIA SENG
Molly's surgery
I'm amazed at the prompt service I got for my dogs surgery I'm glad I have Trupanion first time I've ever had pet insurance thank you so much
Barry
The staff at Trupanion has always been…
The staff at Trupanion has always been there to assist me. They are warm, compassionate and caring. They always have kind words to say when your Little Fur Baby is not well. I contacted them after my Baby had surgery. They assisted me through the process. The claim was processed promptly and the reimbursement followed immediately after. I highly recommend Trupanion for your pet and peace of mind for you.
Daymi
Always great!
Always great!
Lucena
Good
They are nice
John
My claim was completed very fast and…
My claim was completed very fast and great explanation. Very professional service.
Crystal
Your claims process is ridiculous
Your claims process is ridiculous. I have had to fight several claims and finally gave up. I will not go with you for our next puppy.
Anet
I have been with Trupanion since 2010
I have been with Trupanion since 2010! Rusty is my 3rd pet I’m insured with. My baby has heart disease and Trupanion is always by my side. I recommend it to every pet owner. I don’t particularly like the increases in my monthly payments cuz I’m not working but they always do the right thing for me and my fur baby! With insurance I can always do the right thing for my pet, my baby. I never question taking him to veterinarian because I’m confident Trupanion will be with me! I Highly recommend Trupanion pet insurance company for all pets!
Jennifer
Oh Pepper!
Our black lab gave us a huge scare. I had to navigate her care late on a Friday evening almost 3 weeks ago. With nervousness on her well being and knowing the huge monetary commitment, I was so relieved that I had opened up accounts for both of my dogs 4 years ago. Thank you for your support.
Robert
Excellent service!!!!!You responded and approved our surgery…
You responded and approved our surgery within hour of our consultation!! Excellent service and you communicate as well perfectly and efficiently!! We have been extremely happy with Trupanion over the past 10 years of our fur babies life .. We recommend to everyone we know that become pet owners to get your pet insurance !!
Darcy
Always Great to work with
Trupanion has made a significant impact on the care I can provide for my sweet girl. Her life-saving surgery was covered, and they were super easy to work with.
Jana
Able to get the treatment my dog needed
My dog has had Trupanion since the day I got him—almost seven years ago. Keeping it was the best decision! He has seizures, and Trupanion has been great at covering costs associated with them. He recently had to have an MRI, and Trupanion came through! I couldn’t have gotten him the treatment he needed without it. Thank you, Trupanion!
William
I was initially skeptical about pet…
I was initially skeptical about pet insurance in general, but now that I'm facing a major medical issue with my fur-baby, I couldn't be happier to have this financial assistance to make the best care available to him.
michael
I really like trupanion because they…
I really like trupanion because they take care of my little dog scooter. He's got a lot of medical issues seizures diabetes heart condition COPD so therefore when it comes to him going to the vet I can always count you're paying you to be there for him and reimbursement is really quick. Want to thank you all for being there and I've been a customer with them for 11 and a half years and it's all been worth it. Looking forward to some more thank you highly recommend
M Stratford
The ease and speed of processing a…
The ease and speed of processing a claim and knowing what coverage will be provided. All during the checkout at my Vet.
Esther and Roy
Very friendly speedy service
Very friendly speedy service. This is the best pet insurance ever!
Donna
A good climb experience …
Ease of invoice submission and quick turnaround for my recent claims were outstanding.
Joanne
So far you’ve made it very easy to…
So far you’ve made it very easy to submit information, Health and treatment to the company and get reimbursement
Nancy
The ease of using the insurance at the…
The ease of using the insurance at the vets even though the vet was not trained on it and almost refused to run the charges they. The peace of mind on a chance accident was more than worth the money.
customer
Relieved - with a capital “R”
I wasn’t too sure about having pet insurance. I never had it before and have had many animals through out my life. But I was happy that I decided to take it this time with my new puppy. He somehow, as puppy’s chew all the time, swallowed plastic from a toy as well as from the clasps on his collar. He chews everything. His kennel looked like a murder scene. He was throwing up blood, pooping plastic pieces. It was bad. Our bill was reduced to half of what we were charged. I can’t express how relieved we were to be able to say yes, please do all these things for our puppy because Trupanion was there to help us. Thank you!
Thay
Trupanion is a great company
Trupanion is a great company. They help me take care of Patches since he was a puppy. I would recommend Trupanion to anyone who’s looking for insurance for their pets.
Mel
The Best Pet Insurance
I have had Trupanion for 12 +years! My first dog had allergies to almost everything and I never could have been able to care for him with the doctor, allergist, and all the prescriptions without Trupanion! He also had a few surgeries and Trupanion came through as well! My new puppy started with Trupanion the day I brought her home. She had a 30 day waiting period before the insurance would start covering, I was told that any diagnosis that was made in the 30 days waiting period would not be covered ever. This is something new for me and I do understand the need to screen dogs, with EVERYTHING costing more. Hopefully, my puppy will not have too many issues with her dx made in the 30 day wait period. I have still found Trupanion the best and most helpful insurance for pets out there!🐾
Mark
The quick responses for approval of…
The quick responses for approval of claims and the veterinary able to submit claims so minimal out of pocket expenses. Best company out there for pet insurance.
Jean
Quick and efficient claims processing.
Quick and efficient claims processing.
Kevin Tape
Coverage affords you options for pricey care
I had a rep Rebecca S. research years of vet bills to reach lifetime deductibles for three of my dogs conditions. Going forward these treatments would be covered at 90%. I was considering canceling but the personalized care I received changed my mind. Literally one month later my dog fell ill and was admitted to the ICU facing a $ 15000 bill. It turned out he had a bleeding tumor and cancer throughout his abdomen. The insurance gave me options that I wouldn’t have if out of pocket. Ultimately Maxxx had to be euthanized but a large portion of his care was covered. Thank you Rebecca and Trupanion
Michael
No questions asked and direct pay to provider
No questions asked and direct pay to the provider! Greatly appreciated when dealing with a concerning diagnosis.
Michelle C
Efficiency at its finest
I was able to focus on the course of action for my dog while my vets office and Trupanion handled everything else for me. Very grateful!! ☺️
Veronica
No Hassle
You paid part of the vet bill, that is why I pay to have Moxie insured. I have it for emergencies and unexpected things that happen. Yes, I could put the money aside each month in the bank, but then it is to easy to use for other things when they arise.
Jeanne
Turning a negative into a positive
At first what may seem a negative turned out to be a positive in my eyes. Trupanion had trouble finding information on my pet Lily, which extended the time I had to wait to see how much they were going to pay my emergency room. The text kept coming in and telling me they were sorry, but they were waiting on Trupanion for an answer. This really didn’t bother me because my pet is the most important thing to me and if I had to wait, I had to wait. My veterinarian leader told me she really had to push to get Trupanion to come through and I really appreciated that, but it is what I really appreciated was Trupanion called me and explained things to me over the phone and then I got an email with an apology that things had to go on so long. All in all a positive experience with everybody working together, which is more important than anything. And Trupanion did compensate well but then again I compensate them well every month with $280 a month for two dogs. But I am not leaving Trupanion! Not over a high premium. Take care!
Cheryl
Highly recommended!
So easy to work with! Easy pre-approvals, easy claim submissions too. I recommend Trupanion to all my friends as well as to fellow volunteers at the rescue I volunteer for.
Gail
My husband forgot to ask vets office to…
My husband forgot to ask vets office to submit. I contacted Trupanion and they will send directly to me.
customer
Rambo
The first time dog owner I had a very hard time to choose the right insurance for my dog finally I chose trupanion I'm very happy with them they stand for what they are just had an incident with my dog bone fracture and everything was smooth no gimmicks very happy with them
Flavia
It was a great experience
It was a great experience. Thanks for your support.
Karen L
Trupanion is the best !
Trupanion is easy to submit claims, reimbursement arrives quickly and most importantly the customer service is wonderful, helpful and answers all questions I’ve had. No haggling over vet bills or tons of exclusions like other insurers( which I’ve had). I don’t have to worry about whether a vet visit will be covered and it’s great peace of mind.
SamX
Great customer service
Great customer service. Helpful, kind and knowledgeable. Easily reachable. No long wait times.
Robert
Trupanion approved and paid their…
Trupanion approved and paid their portion of my puppy’s bill before we left the Vet’s office. Quick and easy… no hassle.
Aaron
Working with us to get Fido's surgery…
Working with us to get Fido's surgery covered. We couldn't have been able to get his knee fixed.
janet
Easy claim
It was easy for my vet to submit my claim on the first visit. Trupanion sent an email confirmation right away.
Robert Eckles
Everything was great
Everything was great. Claim was easy to submit and was completed so quickly.
Bonita
Quick response to claim submission.
Quick response to claim submission.
Jennifer
We’ve had Trupanion for 12 years for…
We’ve had Trupanion for 12 years for multiple dogs, and they’ve been fantastic every single time. Fast reimbursement too! 💯 recommend!!
Lee
Fast Reimbursement
When I submit invoices for reimbursement Trupanion is very fast in getting my money into my bank account.
Armead
Surgery
Trupanion is very easy to use and good coverage for medical conditions.
Ed
Very quick decision and payment
Very quick decision and payment. We've had Trupanion for our Alaskan Malamute since she was a puppy and she is now 10 years old. She has been healthy for the most part but did experience canine respiratory syncytial virus RSV which was very serious and scary. Veterinary care was intensive and cost was extensive and without Trupanion it would have been a struggle to pay but we still would have done it. Trupanion was both caring and responsive to our needs and while premiums have gone up as she ages, the knowledge we have insurance with Trupanion is assuring.
Paula
The process of submitting claim is very…
The process of submitting claim is very easy and was reimbursed the next day.
customer
What an awesome company
What an awesome company! During a very stressful situation with our dog, our emergency vet staff contacted Trupanion and got an immediate positive response. It allowed us to concentrate on our dogs healing and not worry how we were going to pay for it.
Ashley Sheen
Thank you for helping me through a terrible 48 hours
When I enrolled my cat, Simba, with Trupanion, I honestly thought I’d go years without ever needing to file a claim. He’s just a little over a year old. In theory, I should have nothing to worry about. Unfortunately, last Sunday we found ourselves in the emergency room because he was having multiple seizures within a 24 hour timeframe. He needed a consult with the neurologist, two nights of hospitalization, and further diagnostic testing to investigate what was causing his sudden seizure activity. He needed extensive, round the clock medical care. That level of care comes at a steep price. Around $4,000. I am the type of pet owner who would do whatever is necessary to save them. But right now, $4,000 worth of treatments was too far out of reach for our budget. Without Trupanion, Simba’s care would have been compromised. Enrolling him was truly one of the best decisions we’ve ever made. Because of Trupanion, we were able to rule out several potential causes and develop a long-term treatment plan for his epilepsy. All without worrying about how to pay for it. His seizures are now under control, and he’s back home being his mischievous self again. When I called the support line the night we got home from the emergency room, the member specialist I spoke to was so patient and compassionate with my situation. She helped me expedite his claim from his first visit so that it would be applied to his deductible in a matter of hours, allowing me to leave the emergency hospital paying less thanks to Vet Direct Pay. Thank you for helping me and my family when our world was crashing down. Your level of care for pets is truly amazing and please don’t ever change!
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