Trupanion Review
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Reviews 10426 
Gina
very east to submit invoices
very east to submit invoices. promptly reviews claims and tells you what is applied to your account
Jane
Preapproval was easy
Preapproval was easy, and Trupanion worked smoothly with the vet hospital
Jennifer
Unexpected MRI expense
My dog Eddie developed spinal pain and needed an MRI. The veterinary hospital was able to get my claim approved in just a few minutes and directly paid for. I didn't have to submit anything myself. I didn't have to wait on a claim or refund, I just paid the hospital the remainder of what I owed for my deductible. It was very convenient.
Deborah Stiles
Autumn
My experience was great because it was easy and Bonnie Brae Veterinary Hospital could handle it. It was the first time my dog was sick she is only a year old.
Martha
Great coverage!
It’s great to know that Trupanion has our back. Vet bills can be so expensive, especially now that my cocker spaniel has trouble with his ears and seizures. My daughter’s vet recommended Trupanion to me. I’m glad I took her advice.
Michele
Every call and e-mail gets a helpful…
Every call and e-mail gets a helpful response. Claims are handled quickly and are well aware of what is covered.
Kim
I had to take my 21 week kitten to the…
I had to take my 21 week kitten to the hospital and he was admitted to ICU. The peace of mind knowing I coukd do what it took to help him made this so much easier.
Elizabeth
Relatively easy to file claims
Relatively easy to file claims. Trupanion is so timely responding to and paying for claims. I really wish that my vet could file the claims at the office though. I would not have another dog without having trupanion insurance!
Laura
Quick turnaround for claims
Quick turnaround for claims
Maria
Fast response
Fast response
Michael
Quick Payment
I am consistently, pleasantly surprised with how quickly claims are paid. Thank you!
Marie
Amazingly fast turnaround and they…
Amazingly fast turnaround and they covered most of a high vet bill.
Sammie
Trupanion is very easy to work with
Trupanion is very easy to work with, claims are processed quickly and in an emergency they are always there for you.
Jacalyn
They paid immediately and w/o any…
They paid immediately and w/o any worries my pet was covered and they made it so simple and stress free. Truly amazing!
Ann
quick response
quick response, intelligent customer service
KC
Too expensive
I’ve been with trupanion from the beginning. Lately the price has gone way up, it’s no longer cost effective. At the same time, coverage has gone down. I’ve been with trupanion for about 15 years but if I had to pick an insurance company today I would consider other options.
David
Seamless Transaction & Fantastic Value
Seamless! My VET, VCA Marple gave me my total bill, did some keyboard magic in the background and reduced the amount I owed by $1100!! My portion was <$700!!! Every once in awhile I look at the premium cost and wince but now realize it has been a bargain!!!
Lindsey
No drama
No drama, just great insurance. I love how Trupanion doesn’t nickel and dime the estimate or the final bill. It’s just a percentage. Your direct payment feature is great. Thanks for giving us more time with Angel without a huge unexpected dent in our Bank account If only medical insurance for humans worked so well.
Mary Ann
If your Vet accepts direct payment from Trupanion, the process is so seamless.
I had my pet seen by a specialist at a VCA hospital. Since this hospital accepts direct payments from Trupanion the process was easy. I was pre approved for the diagnostics, my deductible and 10% cost was all itemized and the hospital submitted the invoice. So much easier when a Veternarian practice accepts direct payment.
DeDe
Very efficient claims process
Very efficient claims process
Desert Skies Kennel
We have used Trurpanion for years and…
We have used Trurpanion for years and for the most part had great experience. I recently got a new puppy in August of 25 and immediately put insurance on her because we had high hopes of a great show dog which she is not let us down on! But, my puppy got sick in January of 2026 and her illness has been a huge expense and fortunately, once her deductible was met, Trurpanion started making payments to me. I'm grateful that she had pet insurance and she is now established for her illness which means Trurpanion who cover her for life is it occurs in the future.
Cheyenne
Highly recommended!!
We have two dachshunds and their breed is prone to all sorts of back troubles. We have had it since our older boy was just a baby and never had to use it until this weekend. Our vet team was able to put our claim through the Trupanion system in front of us before we left the clinic. Our sweet boy did end up needing an MRI and surgery. Up front, our costs had many zeros following but with this insurance, we only had to pay a small portion that we already knew was not covered (such as the emergency costs of walking in the door). We really like that the vet team is able to get confirmation of what insurance pays and what we pay right up front, rather than us having to pay all up front and submit a claim later. I have highly recommended Trupanion to many people after seeing how easy this process was. Our little guy is now home recovering and we are just so thankful we opted for insurance all those years ago!
Julie
Ease of using website to upload…
Ease of using website to upload invoices and then how quickly they deposited reimbursement in my account! It was a seamless process and very much appreciated ❤️
Keith Kleinschmidt
kak55
Quick and easy reimbursements.
Matthew
Highly Recommended
The animal hospital was thrilled when they found out we had Trupanion. They made a tough situation very easy to navigate and it required no work on our end. It allowed us to focus on our cat’s recovery and not worry about the billing/costs. They took care of everything. Highly recommend.
Mary
There when tragedy happens
There when tragedy happens. So good to have someone to rely on.
Dawn
The claim was easy to file
The claim was easy to file, the response was quick, and the amount you covered helped more than you will ever know. I also had an opportunity to talk with one of your staff and as usual she was beyond nice. Thank you so much
Jeff Van Laningham
member since 2011 and could not be…
member since 2011 and could not be happier with the service we receive. there is great comfort in the ease with which they work with us to meet our pets health needs...thank you ever so much
Monica
Vets, Pets and Owners’ First Choicd
The coverage policy is easy straightforward and clear, easy to understand. Processing is quick and always comes with a thorough explanation.
Judith
quick responses from Trupanion during…
quick responses from Trupanion during an emergency.
Rosie Prewitt
Reliable and trustworthy insurance for your pet
I am so relieved to have known you for so many years. You have helped me in a tremendous way covering for my Brownie. I promote you every time I have the opportunity.
David
Speed and Accountability by Trupanion
My dog Mocha needed quick attention. I took her to her veterinarian who quickly diagnosed the issue. The vet provided the care and cost Mocha needed to Trupanion. Within a very short time Trupanion provided the Vet the ok and she was quickly attended. Mocha is much happier and I'm relieved that she's feeling better and my expense was minimal.
James D
Trupanion has covered both my pets for over 12 years
Trupanion has covered both my pets for over 12 years and their support has always been efficient and timely
Phyllis Thomsen
So Glad We Have Trupanion
Are so appreciative that during this trying time that Trupanion is responsive and makes the process as easy as possible. Our vet hospital partners with them so the claim is dealt with at the time of service.
REBECCA
Reliable
Trupanion makes it easy to focus on your pet and not fret about the cost. They work quickly to reimburse and sometimes even work directly with emergency vets to pre-approve and pay up front for my pets care. Sampson would not be alive today without Trupanion.
Cooper
Incredibly quick
Incredibly quick, clear communication and correct reimbursements
Linda Shea
Reliable great service and coverage.
Trupanion has been there for me time and time again, several cancers, heart disease, diabetes. It is a great piece of mind to know that I can take care of my dogs with the best care.
Joyce
It great to have a company that's great…
It great to have a company that's great in taking care of your pets needs. My little bichpoo had surgery 2 years ago they paid the medical expenses. Then the week of Christmas this year my bichpoo was in the hospital for 2 days. Trupanion reimburse me for the medical bills again. It's great to know when your pet needs and emergency to see the Vet Trupanion is always there.
Edward P.
The trupanion people really care about your pets wellbeing.
Very friendly service when your dog and best companion is sick, it makes a world of difference, and a Very positive attitude helps!
customer
Your response time is so quick and your…
Your response time is so quick and your explanations of what you cover and what you don’t are very clear.
Robert
Had a great experience with filing our…
Had a great experience with filing our first claim on having to get eye surgery done on our dog. Th claim was approved and paid out within 48 hours. Amazing experience. Thank you for making it easy while we are upset about having to get the surgery.
Parking.com Customer
It is very convenient to have the Vet…
It is very convenient to have the Vet associate contact you as soon as the appointment is completed. The response from Trupanion is almost immediate. No paperwork required (on my part). Also, if I have an issue or question and I call in, the responder has always been friendly and knowledgeable
Angie
Trupanion has been great to work with…
Trupanion has been great to work with and they have covered so many things for our Lab. They even cover his monthly pain meds!! I just send in the invoice. My only disappointment is they won't cover acupuncture or chiropractic care unless you get that coverage when you first sign up. Well, that was 8-9 years ago and that kind of care was not on my radar.
Antonio
Fast and great service
Fast and great service
Randall S
It was easy to submit a claim
It was easy to submit a claim, and easy to reas the coverage. Very fast service!
Jean
Best in the business
I have been with Trupanion for many years. The service is good but very expensive. Trupanion settles claims quickly. My previous dog had congestive heart failure and I paid less for him than I do for my 2 year old cavapoo. Seems a bit off to me. I know prices go up over time but starting at such a high rate doesn't seem right.
Lovely
Top notch
My dog Maggie recently got into the trash and eat some chicken bones. She fell sick, needed ultrasound, and x-rays to make sure that nothing was wrong inside. She spent the overnight at a veterinarian hospital in one day at her vet. Trupanion was top-notch. I can’t express how happy I am with their coverage. It would’ve been detrimental to our family budget to have to pay the entire bill.
Simoene
Seamless billing and invoice process
The billing process was really seamless. I love that they offer direct payments to the vet and I was only left paying my portion instead of paying the entire invoice and not having to be reimbursed.
Ella
Customer for over 9 years and I am so happy that I decided to go with Trupanion!
Customer service reps are always super nice and helpful. They genuinely care about my pets. Whenever I submit a claim I have a check in my hands in less than a week. I am always referring pet owners to your company. Thank you and I would not go elsewhere.
Elizabeth
Trupanion is so easy to work with
Trupanion is so easy to work with! Everyone I have interacted with has been so helpful and they pay claims super fast. My dog had surgery and the claim was approved and paid within hours.
Rick
Excellent service
Prompt, fair settlement. Easy to file a claim
Kirsten
Easy and fast reimbursement
My dog broke his leg and required surgery. Submitting invoices was easy and they were paid very quickly. I valued the text messages with the claim status updates. It was very clear as to what my policy covered. At a very stressful time, this was something that went very smoothly.
Nora Brenneis
It’s comforting and reassuring to have…
It’s comforting and reassuring to have Trupanion. I’m facing a difficult diagnosis for my dog and feel relieved to know Trupanion is there to give her best care possible
Angela
Excellent follow up and quick payment…
Excellent follow up and quick payment for my dog’s surgery. The university veterinary center trusts this company because they provided direct billing and they told me Trupanian is one of the only pet insurers for which they do this.
Michelle
Excellent Service
Customer service is excellent! I am always able to get in touch with someone when I need to and the preapproval process is always so quick.
Greg Appleton
Very good communication
Very good communication , explanation of coverage
Karen Brayboy
The reimbursement was what we expected…
The reimbursement was what we expected and refunded quickly!
Mrs Lewis
All my attention given to my girl
Working with the hospital/doctor takes all the responsibility off my shoulders. It is a most difficult time to begin with and I didn’t have to give my attention to anything but my loved 4 legged girl.
Jacqueline Bronson
From the beginning phone call your…
From the beginning phone call your representative was kind and answered all my questions. Paperwork was understandable and process was so smooth. You certainly helped me through it all and I am glad I chose your company. Thankyou so much.
Jay
Incredibly Helpful
Trupanion has been incredibly helpful in every inquiry I made when deciding on a provider. We have had zero issues with claims, they are very easy to decipher and pay outs are very quick. I appreciate this team!
Helen Shasa-Rotile
Bladder Stone Surgery
My dog was taken to an emergency veterinarian hospital for urinating blood. After a through exam, it was determined that her bladder stones are now causing her frequent urination, blood in the urine and pain. Surgery was the only option. I put the ER visit through Trupanion and the claim was accepted immediately and a large portion of the bill was covered. Two weeks later, Swiffer underwent a surgery to remove the bladder stones. Trupanion gave me a quote as to how much my insurance would pay toward the total bill. I have never had another pet insurance company, and after this experience I would never want one.
Ulises
Great claim experience!
Spencer had liver surgery 18months ago He has gone back every 6 months for follow up scans, The claim press been very quick and easy, from his surgery ro follow ups, I have had no issues.
Carla
Smooth process
Trupanion addressed the billing before I had to deal with it— made the whole experience easier
Judith
Great service
Great service. Fast. Nice people to speak with. Cover what they promise. Very happy with them.
Elba
Thank you for your prompt response.
Thank you for your prompt response.
Linda Luft
Always there for me.
You always answer the phone promptly if I have a question. you’ve been here for over seven years with my dog Banksy. You are always friendly. Answer the phone promptly know exactly how to deal with me if I have a question. I’ve never had an issue with Trupanion. I recommend it to all my husbands clients when they mentioned they’re getting a dog. He immediately tells them sign up with Trupanion . You won’t be sorry.
Jan Lucas
Clear expectations for coverage
Clear expectations for coverage, fast, fast, fast!
Hugo Mom
Incredible experience with claims for…
Incredible experience with claims for extensive dental procedure. Quick responses, paid large amount of it directly to vet as I was there to pick her up. So glad she’s covered with your plan
Lynn
Cat Emergency!
I had an emergency with my cat, and had to take her to the emergency vet hospital. Without the insurance, it would have cost me around $10,000 to get her healthy again. I especially appreciated the fact that the hospital was willing to apply first to Trupanion before they asked for my share. Most veterinary offices and hospitals would make me pay upfront, and then reimburse me. They clearly trusted Trupanion.
Edina Gallovits
Love trupanion !!!
Love trupanion !!!! Best insurance by far ! Pays super fast either directly to the doctor or to us ! And customer service is amazing !!!
Christina M Fe
Lifetime Coverage-Grateful Lifetime Customer
My cat has had this insurance since we got him as a tiny kitty. We got it on a whim as our vet had a flyer he handed us. It has been the best thing for our family! Our little guy is now an old man with a new diabetes diagnosis. Trupanion has had our backs throughout the testing, medication and diet. They are available through chat even on the weekends and it is the kind of chat that gives you answers and does not continously loop you through a customer service AI bot! (Thank you Taylor!)
Chloe's mom
Easy to use
The vet clinic facilitated our Trupanion claim through their office. It was seamless, pain-free and the finances came out as expected in the end.
Kim
Very easy to work with.
Very easy to work with.
Garland
Quick and easy claim process to protect…
Quick and easy claim process to protect your pet!
Jennifer
We have been with Trupanion for over…
We have been with Trupanion for over ten years and they have been awesome! We have had some serious health issues with our fur babies and the fact that Trupanion is in our corner has helped us get through some very tough times, thank you Trupanion!
Brenda
Thank You!
I've been telling all my pet owner friends about what a great experience I had with Trupanion during my furry family's surgery this week. Appreciate how organized the process was and that the hopsital worked directly and was paid directly! Anytime the opportunity comes up, I'll be sure to give a great referral!
Jean
Trupanion Paid My Vet Directly!
The direct connection to my veterinarians office made submitting the claim so easy and convenient!
Nikki
Paid out quickly with little…
Paid out quickly with little complications. Monthly premium went up quite a bit from last year, though grateful to have this coverage given an unexpected illness.
Hannah
Best pet insurance
Best pet insurance! It was a life saver when I had to take my dog to th emergency vet. 100 out of 10 recommended this pet insurance!
Anna & John Paul
Neo's Dental Procedure
The whole process was easy to accomplish, and the stress of submitting a claim was easily accomplished. The claim was handled and settled quickly and now I can devote my time and energy in caring for my pet.
Mary
When we lost our dog back in April
When we lost our dog back in April, the vet bills were over $5,000—money we simply didn’t have. So when we brought home our new puppy, we decided to get insurance so we wouldn’t ever face that kind of out-of-pocket cost again. It was the best decision we made. Not long after, our dog accidentally ate chocolate and became sick. We rushed him to the vet, fully expecting a huge bill. Instead, we only paid our deductible and copay. Trupanion paid the vet directly within hours, and our claim was processed quickly. They even did a pre-authorization so we knew the cost immediately. Because of Trupanion, we were able to give our dog the care he needed without the financial stress. Thank you
Ada
Fast turnaround on my claim.
Fast turnaround on my claim.
Teri
My pet is almost 12 years old
My pet is almost 12 years old. I have had trupanion the entire time she has been part of our family. My pet now has an opportunity to utilize the insurance. Trupanion has been amazing. Any questions are answered thoroughly and very patiently. During this tough time, I feel compassion and feel well taken care of with Trupanion.
Leialoha
Very helpful and easy chat feature…
Very helpful and easy chat feature available when needed. Simple process when submitting a claim. Make sure to have the procedure done before submitting the claim.
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