At Trupanion, we understand that being a pet parent is a 24/7 job. So, we’re here to help with quality pet insurance coverage and award-winning customer service available 24/7/365. We’ve been covering dogs and cats for over 25 years, prioritizing their health with no payout limits, all breeds covered, and VetDirect PayTM (that’s the ability to pay veterinarians directly at time of checkout). Enjoying the protection Trupanion has provided your pet? Help other dog and cat parents by leaving us a review.Not a member of our pack yet? Learn more about how Trupanion coverage works, or get a free quote for your pet today!
Written by the business, not verified by us.
Is Trupanion legit?
Trupanion (trupanion.com) has a 4.3 out of 5 rating on OK.one, based on 161 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 83% of reviews are 4 stars or higher and 12% are 1 star; The business has replied to 89% of negative reviews. Last updated 2026-08-12.
User interface for the website and the app are absolute SHIT. Completely glitched, unable to function. If I have to call every time I want to do something on my account, what is the point of having an app or a website with a user portal? FIX YOUR USER INTERFACE.
Reply from Trupanion2026-07-20
Christine, thank you for sharing your experience with us here. Please know your concerns are important to us, and we take this feedback seriously. We are always providing feedback to our team, as we strive to provide a smooth and user-friendly experience. If you ever wanted to go over options we offer in lieu of the app at this time, we would be happy to go over that with you. You can reach us anytime at (855)210-8746, as we are here to support you 24/7.
Best wishes,
The Trupanion Team
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage! We are here for you 24/7 and you can reach us anytime at (855)210-8746
Sincerely,
The Trupanion Team
Trupanion makes caring for my dog easy. They are professional, efficient and put my dog's health first.
Reply from Trupanion2026-07-21
Thank you for taking the time to share your experience with us here and trusting us with your pup's medical coverage, Victoria! We strive to provide a seamless claims experience to ensure your focus remains on the care of your dog! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
Melissa, we appreciate you sharing your experience with us here! It means the world that you chose Trupanion to protect your pet. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
First time I had pet insurance.
Quick efficient and simply amazing service, claim process and payment.
Reply from Trupanion2026-07-20
We appreciate your kind words and for trusting Trupanion to protect your pet! We strive to review claims as quickly and efficiently as possible, so your focus may remain on your pet. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
When the forms was sent it. They responded right away.
Reply from Trupanion2026-07-20
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Anna! Communication is a top priority for us, as we want you to keep a peace of mind when it comes to the care of your pet. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Susan! We are here for you 24/7 and you can reach us anytime at (855)210-8746
Sincerely,
The Trupanion Team
Excellent - but after an appeal.
The claim for necessary dental extractions was initially denied, but was fully reimbursed after review on appeal.
Reply from Trupanion2026-07-20
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Frank! We understand you did not have the initial claims experience you had hoped for, but we are happy we could sort this out for you. We want you to feel confident about your coverage, and should any questions or concerns ever arise, you can reach us anytime at (855)210-8746. Our team is here to support you 24/7.
Best wishes,
The Trupanion Team
S
SusanUnited States · 7 reviews · Experienced 2026-07-17 ·
★★★★★
Trupanion has upped their game since my…
Trupanion has upped their game since my terrible experiences with them in 2025 (see earlier reviews). While they may take a little time, they have been paying my claims in a fair manner, including back-to-back expensive visits to the ER. I have not had to call them in over a year and certainly have not been given the run-around that I experienced in 2025. I appreciate that Trupanion listened to my truthful reviews and that they have greatly improved their customer service and their commitment to allowing pet owners to take proper care of their beloved companions. - Thank you, Trupanion.
Reply from Trupanion2026-07-20
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Susan! We are grateful we can stand by you and your pet, when they need us the most. Our team values your thoughts and we always share feedback with our team to provide you with the best experience possible. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
Promptly addressed the invoice from our vet and provided a complete explanation of what was paid and why.
Reply from Trupanion2026-07-20
Craig, we appreciate you sharing your experience with us here. We are very grateful to be here for you and your pet. We strive to review claims as quickly and accurately as possible, so your focus may remain on their care. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Zylkia! We are here for you 24/7 and you can reach us anytime at (855)210-8746
Best wishes,
The Trupanion Team
R
Robert H WilsonUnited States · 6 reviews · Verified · Experienced 2026-07-16 ·
★★★★★
so easy to use and very quick to…
so easy to use and very quick to respond and pay.
Reply from Trupanion2026-07-20
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Robert! We are here for you 24/7 and you can reach us anytime at (855)210-8746
Best wishes,
The Trupanion Team
Trupanion quickly processes claims and the payment goes directly to my vet. This was extraordinary and much appreciated.
Reply from Trupanion2026-07-20
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage! We strive to review claims as quickly and efficiently as possible so your focus may remain on your pet. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Best wishes,
The Trupanion Team
I would recommend Trupanion to any pet owner I know. The claims are so easy it’s so worth the monthly payment. It gives you peace of mind that you will be able to care for your pet no matter what health concerns may present! We love Trupanion!!
Reply from Trupanion2026-07-20
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Sarah! Our top priority is to provide you with a peace of mind when it comes to your pet! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
Such a good company. I get reimbursed in almost 24 hours or less and at a 90% reimbursement rate. They have always been reliable. Only negative thing I would say is the rates are consistently increasing.
Reply from Trupanion2026-07-20
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Elizabeth! We understand how frustrating it can feel when your cost changes. Please know it is not something we take lightly. Costs can change, as the cost of veterinary care is an ever-fluctuating field. We strive to price every pet as fairly and accurately as possible, according to their unique factors at enrollment, as well as their chosen coverage options. If you wanted to look into options for the cost of your policy, or your specific coverage, we would be more than happy to do that with you. We are here 24/7 and you can reach us at (855)210-8746
Sincerely,
The Trupanion Team
I had never purchased pet insurance before I got Jasmine. Having the insurance pay the veterinary bills directly to the clinic on the same day as the surgery made things so much simpler. Thank you for your part in helping us take care of her.
Reply from Trupanion2026-07-20
Thank you for taking the time to share your experience with us here and trusting us with Jasmine's medical coverage, Phyllis! Our team is sending our best wishes for a smooth recovery her way. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
We signed up for Trupanion about two years ago, hoping we’d never need it. When our Lab, Biggie, unexpectedly needed emergency surgery, I can’t imagine going through that experience without them.
The claims process was incredibly simple, and what impressed me most was that Trupanion paid their portion of the bill directly to the pet hospital. We didn’t have to pay the full amount upfront and wait weeks for reimbursement, which was such a relief during an already stressful time.
Everything was handled quickly, and Trupanion kept us updated throughout the entire process. Having one less thing to worry about allowed us to focus on what mattered most—Biggie’s recovery.
We’re so grateful for the excellent service and peace of mind Trupanion provided. I wholeheartedly recommend them to any pet owner looking for reliable pet insurance.
Reply from Trupanion2026-07-20
Vanessa, we appreciate you taking the time to share your experience with us here. We understand you and Biggie faced a very stressful time, but we are so happy we could stand by you both, to ensure he received the care he deserved. Our team is sending our best wishes for a smooth recovery his way. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
P
PAMUnited States · 3 reviews · Experienced 2026-07-16 ·
★★★★★
First off this is a good insurance if…
First off this is a good insurance if you have a deep pocketbook.
Almost every year the rates go up. This year was $26.00 a month increase. Now I pay $106.00 a month for one dog. Once you submit a claim and your dog has a medical problem you can’t switch insurances as it will be a pre-existing condition. They have you locked in and there seems to be no control how much they increase your rate.
I advise you to read lots of reviews and shop around. I chose another pet insurance for the dog we adopted after this one.
Reply from Trupanion2026-07-17
Hi Pam,
Thanks for taking the time to share your feedback with us here. We know it's never easy to see a change to your monthly cost and that no one likes paying more. Our coverage plans are designed with long-term coverage in mind. We intend to be there for you and your pet throughout their entire lifetime.
To do this, it is essential that our prices stay in line with the increases we're seeing to the cost of veterinary care and the changes in our industry that impact how much pet owners everywhere are paying to get their pets the care they need. We'll never make changes due to your pet celebrating a birthday or their individual claims usage, and we encourage you to research how other providers adjust their costs over the years, and what factors they use to decide how they implement change. Here at Trupanion, we value transparency and would be glad to talk about our pricing factors with you at anytime. Other providers might not.
Your situation is important to us, and we want you to know that we're always available to discuss your concerns with you in further detail to offer our support. Please call us whenever we can help at (855)210-8746 - we're here for you 24/7.
Take care,
The Trupanion Team
T
Tim CooleyUnited States · 2 reviews · Experienced 2026-07-14 ·
★★★★★
Highly deceptive marketing
Highly deceptive marketing. They claim to reimburse 90%. That is a lie I got back a little over $500, from an almost $1400 injury. I will be looking for better insurance for my dog. Probably Lemonade, once I do some research on the company. I will NOT be keeping this bullshit "insurance"...
Reply from Trupanion2026-07-17
Hi Tim,
We take your concerns seriously and understand that we haven't provided you with the experience that you'd hoped for. We do want to assure you that for your plan, we do reimburse 90% of any eligible treatment costs after your deductible is met. We understand that it can be frustrating to see a lower payout on an initial claim as you work to reach that deductible. Please know that once a deductible for any eligible injury or illness is met, we can help with any related treatment costs for the rest of that condition's duration - even if it lasts your pet's entire life.
We'd like the opportunity to discuss your claims with you in further detail to offer the best information and support we can. Please call us 24/7 at (855)210-8746 to get started. We're here for you anytime.
Take care,
The Trupanion Team
Great insurance for my fur baby!! A very easy and smooth process to put claims through. It takes only a few minutes to process and my vet submits the claim.
Reply from Trupanion2026-07-21
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Nicole! We are here for you 24/7 and you can reach us anytime at (855)210-8746
Sincerely,
The Trupanion Team
