Trupanion Review
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Reviews 10035 
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!
Roger
Loved the fact that Blue Pearl dealt…
Loved the fact that Blue Pearl dealt directly with Trupanion.
Julia
Fast and easy claim review and payment
You never want to have to use your pet insurance and when you need it it’s a stressful time. Very grateful for the fast and easy claim submission and payment from trupanion.
Jessica
Highly recommend to anyone who has a…
Highly recommend to anyone who has a pet!
Cheryl Tarallo
I am extremely happy with Trupanion
I am extremely happy with Trupanion ! After we submitted the claim they responded immediately, which is awesome! We've been stressed out about our dog needing surgery so this really helped a lot. Thank you for all your help during this difficult time, it's much appreciated.
Christen
Great experience with Trupanion
Great experience with Trupanion. Fast reimbursement for our claim. Very glad we have the pet insurance
Pamela
I was very happy with how easy it was…
I was very happy with how easy it was to make a claim. It was easy to supply the information that was needed and they did the rest. They kept us updated on the progress. It didn't take long for us to receive to get reimbursed. They were very easy to work with. I would highly recommend Trupanion.
D Russ
Easy and prompt service.
Easy and prompt service.
Kimberly and Eliya
So easy to use
So easy to use, either upload information on app or the vet filed and had information in minutes. So thankful
NICHOLAS OLSON
Direct Pay & Trupanion to the rescue
Always delightful to talk to your representatives! The Direct Pay feature worked wonders to satisfy the veterinarians. Not everyone can wake up to an emergency and immediately fork over the large fee that was not there the night before! My hospital, at least, did not tell me about it, though I trumpeted the wonderful Trupanion going into, during and after the procedures. It would have been in their interest, too, to inform me of their participation after all, knowing that they could do all that needed to be done for the patient. . . . . Hmmm.
Jessica
100 % recommend!
They were fast and worked with the vet directly. It was wonderful to have them pay a big portion of the ER vet bill and the regular vet bill. Gave me some relief from financial anxiety. Love them!!!!
Elizabeth
Trupanion is always there for my dog…
Trupanion is always there for my dog and he’s had many problems . They pay the claims quickly and customer service is wonderful!
Gail
Claim submission process…
The ease of completing the claim submission form and the expediency with which it was addressed was commendable. The communication is exceptional, whether via text or phone. You have an amazing, professional, caring, competent staff. Don’t change a thing!
Maria
Ease of use
Its so easy to submit a claim
Shahida
Super fast in refunding my 90%
Super fast in refunding my 90%. Love the service and that they care for all their insured pets
Taylor
Breaking stereotypes
For once I feel like an insurance company cared. Your people could have screwed me on a technicality but instead they moved past that and helped our pup get the care he needed.
TrishK
Claims processed incredibly quickly…
Claims are processed incredibly quickly and accurately.
Ginger
Highly satisfied
Highly satisfied! Excellent customer service and very efficient.
Donna
Claim was easy to file
Claim was easy to file. Quick response and easy to understand.
Pat
The first thing that happened is I…
The first thing that happened is I spoke with live people. And the people I spoke with were pleasant, knowledgeable and helpful.
Yun Jae
Trupanion has been the best decision…
Trupanion has been the best decision I’ve made for my child. With my pup having a terrible accident, we had to take her into the ER and then surgery. Throughout this incident, it was very reassuring to know that financials wouldn’t be a factor in the best outcome for her. The filing process was seamless, and the approval process and wait time were just as great! Trupanion was great and very prompt with returning to my inquires, and even went out of their way to check on Penelope. Thank you guys for the support and reassurance during this whole tragic event!!!
Jaime
So easy to submit claims right through…
So easy to submit claims right through the app. Quickly reimbursed for claims.
Kim
Highly Recommend …
Trupanion has made a very difficult time much less stressful. Our dog had torn her CCL back to back. First the right leg then the left. They reimburse for the medical expenses very quickly, The Trupanion team is kind and compassionate. Our experience has been wonderful. I highly recommend Trupanion.
GEORGE
Trupanion is the best for several…
Trupanion is the best for several reasons. They actually care .
Kelly Harris
My little Charlie has been insured with…
My little Charlie has been insured with Trupanion since he was 4 months old. He is now going on 11 years old. Trupanion has been a god sent through some tough times and continues to cover my baby dog.
Irene
preapproval for a vet emergency bill…
preapproval for a vet emergency bill was very prompt
Lori M.
Great pet insurance!
Fortunately, this is the first time we have had to use our pet insurance for our dog since he has been healthy. I'm glad that we have the insurance as he has been sick for quite some time but slowly improving. It's been easy to submit the receipts and get reimbursed. I've been happy how efficient the process has been.
Consumer Name
Prompt approval and payment of claims.
Prompt approval and payment if claims.
Gregory
Direct submission bu privider
Ablility to have provider submit directly to Trupanion. Less cash flow inpact to ourselves. Thank you
Karen Barke
Everyone I have ever done business with…
Everyone I have ever done business with has been efficient pleasant just wonderful
Melissa
Could not be happier with the company
Could not be happier with the company. The preapproval process was fast and easy. My dog was able to be seen right away and we knew going in about how much we would pay. After her visit was over, we actually ended up paying less due to more coverage. Super convenient with the direct pay to the veterinarian.
Rebecca Ball
Less stress
It made a differeance making it so easy to communicate through my vet office to Trupanion. Thank you, it took stress off of me.
Don
Response was fast and done accurately.
Response was fast and done accurately.
Mil
Trupanion is a MUST for Pet Insurance
My experience with Trupanion has always been consistent when submitting claims and with support staff. They are absolutely amazing. There are no words how great this company is. I was extremely worried about my Lexie, every moment of my hospital experience with Lexie had me weeping not because of the hospital but because my anxiety was at a level 💯. Trupanion’s pre-approval and fast track claim processing alleviate so much anxiety. I recommend this wonderful company to all who have a pet.
Alexander
Quick review of claims and feedback to…
Quick review of claims and feedback to client
LARRY KARAVASILIS
Excellent company
Excellent company, I had to use the plan two months after purchasing and they paid the vet directly as they advertised.
Sharon
Trupanion has excellent response time
I'm blown away with the incredible swift response from Trupanion with the immediate and costly medical treatments required to treat Parker's condition. In an extremely stressful time, I am so grateful for knowing I have this crucial help to pay for the treatments he needs. Getting Trupanion, and keeping it for all of these years when he didn't need it, was one of the smartest things I've ever done. It certainly has paid off now that he does need it. I highly recommend getting a plan if you don't already have one.
Robin
Thanksgiving gratitude for Trupanion
This Thanksgiving I am especially thankful for Trupanion, for protecting my dog Atash so beautifully during her recent health struggle. She is on the mend and our holidays are bright!!
Brian
A comfort in challenging times
This has been a year filled with challenging vet visits for us. We have found the process of filing claims to be extremely easy, with a rapid response rate and no complications. The online chat feature has meant we have been easily and quickly able to have any question answered. We are thankful for Trupanion!
L C
Peace of Mind When the Unthinkable Happened: Trupanion Covered Our Labradoodle's Cancer Journey
We adopted our beautiful chocolate Australian Labradoodle, Zoe, never imagining we would face a cancer diagnosis. Then, on September 18th, our world shattered when Zoe was diagnosed with Anal Gland Adenocarcinoma. It was heartbreaking. As someone who works in oncology, I knew we had to act fast, and within 24 hours, we had Zoe scheduled at one of only two specialized hospitals capable of offering the necessary surgical and cancer care. We are eternally grateful that our breeder had given us Trupanion insurance coverage when we adopted Zoe. We quickly learned why Trupanion is so highly valued—it has provided us with unparalleled peace of mind during this incredibly stressful time. Seamless, Comprehensive Coverage Trupanion didn't hesitate. They managed and covered virtually all of Zoe's extensive and unexpected care: Immediate Surgery: Within just three days of diagnosis, Trupanion covered the crucial exploratory laparotomy surgery performed at BluePearl Pet Hospital. Cancer Treatment Journey: Starting on October 8th, and with the first specialized treatment on October 14th at NVS, Trupanion has been there every step of the way. Complete Coverage: Trupanion has covered the entirety of Zoe’s care, including the intensive radiation treatment, associated diagnostics like CT scans and ultrasounds for diagnosis confirmation and monitoring for spread, and now, the upcoming chemotherapy sessions. Both specialized hospitals highly recommended Trupanion, and our experience confirms why. Knowing that the financial burden of this serious illness is being managed has allowed us to focus completely on Zoe's health and recovery. Trupanion has truly covered the care of Zoe, the love of our lives, and we feel incredibly comforted and utterly grateful for this valuable insurance coverage. It is an investment every pet owner should have.
Julie
Quick turn around after I submitted my…
Quick turn around after I submitted my receipts.
Carol
Working with Trupanion is always so…
Working with Trupanion is always so quick and easy! All I had to do was upload the invoice and in no time I had a response and refund. All in a couple of days.
Akshaya
Trupanion has been amazing to work with…
Trupanion has been amazing to work with over the years. Any time I have an issue their 24/7 support has been quick to address the problem and I’ve never left unhappy. I also love that my vet can bill them directly. If I had to knock something, I would say it is that when we signed up we were sold on the fact that the price doesn’t increase as your pet gets older but the policy has increased a number of times over the years. We’ve had policies on both of our dogs since they were 8 weeks old (there 6 and 5 years now). They’ve never said it’s because of their age so their claim is true, but it’s still been increasing. It’s understandable as the costs of goods and service increase. I’d still (and do) recommend Trupanion to anyone who has a pet that they care for.
Susan
From the very 1st claim we submitted
From the very 1st claim we submitted, they have responded usually within 24 hours. We had a major surgery claim that took a couple weeks, but that is totally understandable. The website is also very easy to navigate. We are completely happy with Trupanion and would definitely recommend them to anyone that would ask!
Kimberly
They are so easy to work with. Excellent!!
They are so easy to work with! The claim process is probably the easiest I have ever had to do! I recommend them to everyone I know! Defiantly worth every penny!! Customer service department is very knowledgeable and has the answers you need! Thank you!
Ashley
Easy Peasy Lemon Squeezy
I wish human insurance was this easy!!!!
Diane Morrissette
Fast service
Fast service
Jocelyn
Trupanion Peace of Mind When You Need It The Most!
Our 7 month old chihuahua named Luna had an unfortunate accident and broke her femur. The only peace of mind we’ve had through this process is having Trupanion to assist us through the process. Our baby Luna had at surgery to repair and place pins in her leg. We completed a pre- approval before surgery on a Tuesday and the very next day she was approved and we planned for surgery that same week on a Thursday. I didn’t have to pay the entire sum of the surgery to the vet. I paid only my portion the day of surgery and the remaining balance was directly invoiced to Trupanion. It was a very expensive surgery and it wouldn’t have been possible if I had not purchased a policy for my baby girl. Also, prior to the surgery I visited urgent care and I submitted a claim for that visit and submitting a claim was incredibly easy. I simply uploaded the urgent care bill and through their user-friendly portal the reimbursement was processed quickly and I received a check the very next week through mail (but I learned that they also have direct deposit). There’s no complicated paperwork. Also, the customer service team was knowledgeable and genuinely caring about Luna’s well-being. They guided me through the process and ensured all concerns are addressed effectively. I must have called them 20 times but they were always so very assuring, patient, and kind. Trupanion’s coverage is fantastic and has made unexpected, costly veterinary bills manageable. I chose the plan with the 500.00 deductible. I highly recommend Trupanion. My chihuahua is part of my family and the best thing I did was ensure she would have accessibility to the best care if needed. You never want any harm to your beloved pet but life has ways to challenge that and having Trupanion for those difficult moments makes a world of a difference. Thank you Trupanion for being an honorable insurance company that you can trust.
Charlie Watkins
I was very impressed with the welcome…
I was very impressed with the welcome package that included an I.D. tag for recovery if lost. Great addition and congrats for whoever ever thought of it!
Pedro
Service Excellence
For the last 4 years I have been with Trupanion. When my first dog died, they were very empathetic calling and sending a written note. Very thoughtfull. Thanks. But beyond that, what keeps me with Trupanion is their fantastic efficiency in processing and approving claims. Be it while utilizing their approved veterinarians network or requesting refunds, their service and speed is first class.Thanks. To this date, I would not have a pet if Trupanion is not part of our extended family. Thanks for all you do for us owners and for our pets.
M Patterson
I have insured 4 dogs with Trupanion…
I have insured 4 dogs with Trupanion and I have had no regrets so far. My dogs get the help they deserve when needed for over 15 years and counting!
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