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!
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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.
Customer service is always great anytime I have any questions everyone seems so happy to help. With my dog recently having a surgery it’s a huge piece of mind to know I have help when it comes to paying for these things.
Reply from Trupanion2026-07-20
Thank you for taking the time to share your experience with us here and trusting us with your pup's medical coverage, Zoey! We strive to provide you with quality support, so you may keep a peace of mind when it comes to your pet. We are sending our best wishes for a smooth recovery their way! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
E
Emmie L. HimmelmanUnited States · 2 reviews · Verified · Experienced 2026-07-15 ·
★★★★★
Trupanion has helped me pay my vet…
Trupanion has helped me pay my vet bills. I am so glad I signed up. Their coverage is so worth the monthly cost. I
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, Emmie! We are here for you 24/7 and you can reach us anytime at (855)210-8746
Sincerely,
The Trupanion Team
great staff i had questions and they were very helpful when i called and concerned about my dog they worked right with my vet and took all the stress out of the operation so i could place all my attention to her and not worrie about the paperwork
Reply from Trupanion2026-07-21
Thank you for taking the time to share your experience with us here and trusting us with your dog's medical coverage, Peter! We strive to provide a quick and efficient claims experience so you may keep a peace of mind when it comes to your girl. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
My experience with Trupanion was excellent. They were prompt with their information on what was to be covered, and the provider I had took care of all billing directly with Trupanion. I am very happy I chose Trupanion for their coverage and ease of the claim, service and payment process. I would recommend them highly.
Reply from Trupanion2026-07-20
We thank you Cathy, for taking the time to share your experience with us here. It means the world that you chose Trupanion to protect your pet. We strive to provide quality customer support, so you may keep a peace of mind. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
Considering discontinuing as it seems like nothing is covered
Reply from Trupanion2026-07-17
Hi Mollie,
We take your concerns seriously, and we appreciate you taking the time to share them with us here. We understand that we haven't provided you with the experience that you'd hoped for, and we'd like the opportunity to look into your situation with you in further detail to offer our support. Please call us 24/7 at (855)210-8746 to get started or chat with us using our live chat function through your member portal to get started. We hope to connect with you soon.
Take care,
The Trupanion Team
The prompt and direct payment to the veterinary hospital made it very convenient for us. Having Trupanion made it possible to give our dog the surgery he needed. Thank you!
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, Amanda! We are sorry to hear your pup needed surgery, but we are so grateful we could be there for them when it mattered most. Our team is sending your boy our best wishes for a smooth recovery. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
I love that Trupanion pays claims through the Vet's!!
Love the caring people at Trupanion!!!!!!!!!!!!!!!!!!!!!!
Reply from Trupanion2026-07-20
Karen - we value your feedback and are so grateful we can be here for you and your pet! We strive to provide a seamless claims experience to ensure you can keep a peace of mind. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Best wishes,
The Trupanion Team
Trupanion is the best and easiest way to go. Fast efficient and caring
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, Carol! We are here for you 24/7 and you can reach us anytime at (855)210-8746
Sincerely,
The Trupanion Team
Dekel HamatianUnited States · 2 reviews · Experienced 2026-07-17 ·
★★★★★
Stay away from Trupanion!
Stay away from Trupanion!! Total Scammers!
My premium started a little over $100 per month and has increased year after year to nearly $300 per month. The constant rate hikes make the policy extremely difficult to justify.
What I found even more frustrating is that when I considered canceling, the conversation felt focused on scaring me into staying by warning about pre-existing condition exclusions if I switched providers. While pet owners should understand how coverage works, using fear of losing coverage to retain customers is not a good customer experience.
Between the excessive premium increases and the pressure tactics, I would not recommend Trupanion. Pet owners should carefully compare alternatives before signing up.
Reply from Trupanion2026-07-20
Dekel, we appreciate you taking the time to share your experience with us and for trusting Trupanion to protect your pet. We understand seeing a change to your cost can be frustrating and it is not something we take lightly. As pet owners ourselves, we believe in pricing for the lifetime coverage for your pet and believe all insurance should be evaluated the same way. Veterinary care costs have increased significantly over time and due to these fluctuations, we have to make the difficult but necessary decision to ensure your policy costs remain balanced with this change. We strive to be transparent as possible, and to provide you with information so you may make the decision that works best for you and your pet. We understand you have decided to cancel with us, and we are sorry to see you go. Please know our team is still here for you should you have further questions or concerns. You can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
Kasey SlinkardUnited States · 1 review · Experienced 2026-07-16 ·
★★★★★
I would give a zero if I could
I would give a zero if I could. Instead of focusing on the overall rating, I read the reviews and realized there are a lot of people who had similar experiences that I had. I rescued Pepper in November 2025 and enrolled with Trupanion in March 2026. She had parvo before I adopted her. After months of paying premiums I submitted two claims totaling $379.63 for acute diarrhea and conjunctivitis. Both were denied as pre-existing conditions. I appealed twice, including submitting a formal letter from my veterinarian who specifically stated that diagnostic testing showed NO evidence of permanent intestinal damage from parvo and that the conjunctivitis cause was unspecified. Both appeals were denied. I received zero coverage after paying $190 in premiums. Trupanion is not appropriate for rescue dogs with any medical history. Save your money and go with Fetch instead — they actually built their insurance specifically for rescue pets.
I can’t reply to them below. But I did dispute the denial of the claim. And they still said it was a past issue even though it was not. My dog all of a sudden was showing signs of diarrhea and vomiting so I brought her to the vet and they said that was a pre-existing condition because she had loose stools when I got her as a puppy. Which is completely different than what I brought her in for.
Reply from Trupanion2026-07-17
Hi Kasey,
We're sorry to hear that Pepper needed medical treatment, and we understand that this hasn't been the experience that you had hoped for. Our coverage plans are here to help with issues that start after coverage is fully in place and any applicable waiting periods are through. In the unfortunate event that an issue shows signs or symptoms of starting prior to that, even if no formal diagnosis is made, it's not something we can help with.
Your situation is important to us, and we'd be glad to review your claims with you in further detail at anytime to offer our support. Please call us 24/7 at (855)210-8746 to get started. We hope to speak with you soon.
Take care,
The Trupanion Team
D
DomCanada · 1 review · Experienced 2026-07-17 ·
★★★★★
I am extremely disappointed with dishonest renewal premiums
I am extremely disappointed with Trupanion Pet Insurance.
The monthly premiums have always been expensive, but Trupanion has now increased my premium by approximately 25%. I was already paying about $150 per month for my two-year-old German Shepherd, and I have maintained coverage since we first brought him home. My new premium is now approximately $200 per month.
The explanation I was given was that there had been too many claims and that the cost of my dog’s care had become too expensive for them. That is extremely frustrating because covering necessary medical procedures is the entire reason people purchase pet insurance.
In my experience, Trupanion is happy to collect high monthly premiums and deductibles, but once the insurance is actually used, the customer can face a significant increase at renewal. This makes pet owners feel financially trapped at the exact moment they are trying to provide necessary care for their animals.
Be cautious when reading reviews about Trupanion covering cancer treatments or other expensive procedures. They may pay eligible claims, but that does not mean your monthly premium will remain affordable afterward. My experience has been that once the claims became costly, the premium increased substantially.
Charging nearly $200 per month to insure a two-year-old German Shepherd is extremely difficult to justify. Pet owners deserve transparent pricing and should not feel punished for using the coverage they have paid for.
Shame on you, Trupanion.
Reply from Trupanion2026-07-17
Hi Dom,
It means the world to us for you to protect your pup with a Trupanion plan, and we appreciate you sharing these concerns with us here. We know it's never easy to see a change to your monthly cost or pay more for your coverage. We'd like to offer some clarification here into your pricing factors and why your price changes overtime.
We strive to price each pet as fairly and accurately as possible. Your pet's pricing will always be based on your pet's unique factors at enrollment. This includes their breed, sex, age at enrollment, and geographical location as determined by their postal/ZIP code, as well as your chosen coverage options.
Our coverage plans are designed with long-term care in mind. We want to be there for you and your pet for their entire lifetime, and as such, it's important for us to continue to align our prices with the trends and changes we're seeing in the industry that we cover - veterinary medicine. We'll look into how the cost of veterinary care is changing due to inflation and advancements in veterinary technology that help pets get the care they need but often come at a higher price point. We'll also examine how many pets are receiving treatment as more people welcome new pets into their homes.
We'll then apply our findings to your pet's unique factors - that determines your updated monthly cost. Insurance is a shared risk, so we'll never punish an individual pet for celebrating a birthday or needing to use their coverage, and we'll never reward pets for staying healthy and not needing to utilize their plan. Any changes to your account will always be made so that we can be there for you and your pet no matter when or where you need us - or for how much.
We take your situation seriously and we want you to know that we're available at anytime to discuss your pricing with you in further detail to offer any additional clarification or answer any additional questions we can. Please call us whenever we can help at (855)210-8746. We're here for you 24/7.
Take care,
The Trupanion Team
After almost four years of paying Trupanion premiums for two dogs ,more than $6,000 in total , I finally submitted a claim when one of my dogs required medical attention. The claim was approximately $1,800, and Trupanion denied coverage based on their interpretation that three related medical issues required three separate deductibles.
This is an unreasonable and misleading approach. The procedures involved the same surgery, the same anesthesia, and the same biopsy, yet Trupanion treated them as unrelated expenses solely to avoid payment. I was even advised that multiple tooth extractions performed during the same procedure it will be subject to separate deductibles.
This defeats the entire purpose of pet insurance. After this experience, I immediately canceled my policy. My recommendation: read the fine print carefully and consider saving your money yourself. Based on my experience, Trupanion failed to provide the protection and reliability they advertise.
Reply from Trupanion2026-07-20
Eugene – we appreciate you taking the time to share your experience with us here. We are sorry to hear your pup required medical attention and hope they are recovering swiftly. We understand it can be hard when claims are not covered in the way you had expected. We want our members to get the most value out of their coverage plan, which is why we offer a per-condition for the lifetime of that condition deductible. That way, our members don't have to pay the same deductible year over year for the same issue, which can be especially helpful for chronic or ongoing conditions. In the event that multiple eligible conditions show up during a procedure, they do need to meet their individual deductibles before payout occurs. However, once your deductible has been met for any eligible injury or illness, we can help with any related costs for the rest of that condition's duration - even if it lasts your pet's entire life. We understand you have decided to cancel your coverage plan with us, and are sorry to see you go. Please know our team is still available to you should you have further questions or concerns. You can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
Trupanion is INCREDIBLE, but I wish they covered just a bit more of our recent experience. We ended up paying 25% of the $4600 bill , even though my premiums for my cats are very high every month. Feels kind of ridiculous that $700 in exam fees weren't covered. Still a life saver though, (literally). Ease of use is outstanding and quickness to respond even better.
Reply from Trupanion2026-07-20
Michael, we appreciate you sharing your thoughts with us here. It means the world that you chose Trupanion to protect your kitties. We understand it can be frustrating when claims are not covered in the way you had hoped. Not all coverage plans are the same, and here at Trupanion, we choose to focus on helping with direct treatment costs for pets in the event of unexpected emergencies, which can be difficult or impossible to budget for. An exam fee is not included in our coverage plan, whether it is for an emergency visit, or wellness, as they are considered part of the general cost of visiting the veterinarian, rather than the treatment of that specific condition. Our team is here for you 24/7 should you ever have any questions or concerns. You can reach us anytime at (855)210-8746. We are sending our best wishes for a smooth recover to your kitty!
Sincerely,
The Trupanion Team
We have had Trupanion since both my dogs were puppies (8 and 7 years old now). Trupanion does not cover wellness and some other stuff, but they have allowed us to make sure our dogs get the care they need without worrying about how to pay for more than our deductible. As they have gotten older our premiums have increased, but we have continued paying the premiums as Trupanion has come through every time. They charge the deductible per condition, but after that has been met you only pay coinsurance and taxes. Twice now Trupanion has paid out more in claims for us than we would have saved just putting away the premiums alone. Several of the vets we have worked with also work directly with Trupanion, so there have been instances where because our vet filed claims for us in the past, we had already met our deductible for a condition when the big bills started to roll in. We cannot recommend them enough.
Reply from Trupanion2026-07-21
Dr. Everett - we appreciate you taking the time to share your experience with us. We are so glad we can be here for you and your pack, when they need us most. Our team is here for you 24/7, should you need anything. You can reach us anytime at (855)210-8746.
Best wishes,
The Trupanion Team
L
Lawrence and MeredithUnited States · 1 review · Verified · Experienced 2026-07-14 ·
★★★★★
Thank you Trupanion
Thank you Trupanion, if not for our Trupanion Pet Insurance, our out-of-pocket would have been a huge blow to our finances! We are so glad that years ago our past veterinarian suggested that we sign up for Trupanion and we also love that we don’t have to lift a finger trying to file a claim. VCA files it for us and the quick response from Trupanion comes through while we sit in the doctors office! Both the clinic and the pet parents gets emails with the speedy response!
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, Lawrence! We strive to provide a seamless claims experience, so your focus may remain on 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
Each month the payment for each of my pets continue to raised.
Reply from Trupanion2026-07-16
Hi there,
We take your concerns seriously and we know it's never easy to see a change to your monthly cost. Please know that our team is always available to look into your pricing with you directly to better understand what's going on and offer our support regarding your pricing. Please call us 24/7 at (855)210-8746 to get started. We hope to speak with you soon.
Take care,
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
I wish I could remember the two individuals I spoke with the night of my pet's emergency, because they were truly amazing. I had never had to use our pet insurance yet, but I am so thankful we had it when we needed it. The process was easier than I ever expected and it is safe to say I will be keeping it the remainder of my pet's life!
Reply from Trupanion2026-07-21
Callie, we appreciate your kind words! As pet owners ourselves, we understand how stressful a trip to the ER can be, and we are grateful we could be there with you every step of the way. Our team is sending our best wishes for a smooth recovery your pet's way. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.
Sincerely,
The Trupanion Team
My dog had life threatening bloat (GDV) episode. I rushed to your partnering Emergency Vet Clinic. I had called ahead and told them she had Trupanion. They were waiting for her and took her right in.
As they stabilized her the clinic drew up the estimate and submitted it to Trupanion. The adjuster looked at it and then sent me their determination. Then, right there at the Vet the Adjuster Called Me to make sure I understood the coverage.
The. Adjuster. Called me. Wow. I have NEVER in my LIFE had an adjuster call me for ANY insurance claim I have had.
The estimate was over $10,000. The clinic had me pay $2000. The dog was rushed to surgery.
At the end of the whole thing the final bill was $10,355. I ended up paying $2057.
Trupanion made everything seamless.
I cannot say enough good things about this company and the way they handle things.
I have never had an INSURANCE company treat me so well.
Reply from Trupanion2026-07-21
Nancy, we appreciate you taking the time to share your experience with us. We understand you and your pup faced a very scary time, but we are so grateful we could be there for you every step of the way. Our team is sending our best wishes for a smooth recovery your sweet girl's way. 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, Cathy! We strive to provide a smooth claims experience so your focus may remain on your pet. Our team is here for you 24/7 should you ever need us. You can reach us anytime at (855)210-8746
Best wishes,
The Trupanion Team
