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.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.
Prompt payment. Years long relationship.
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage over the years, Despina! We are here for you 24/7 and you can reach us anytime at (855)210-8746 Sincerely, The Trupanion Team
I have with Trupanion since 2014 when my pet had 3 months. The claim process is easy and payment is the excellent, I am grateful also with customer services always available to resolve any doubt about coverage. They are care about my pet health.
Thank you for taking the time to share your experience with us here, Gladys! It means the world that you chose Trupanion to protect your pet over the years. We are grateful to stand by you both. Should you need us now, or in the future, you can reach us anytime at (855)210-8746. Sincerely, The Trupanion Team
Ease of use, took care of everything upfront
Thank you Anup, for sharing your experience with us here! We are grateful to stand by you and your pet, 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
Quick, hassle free claims!
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Julie! We strive to provide a smooth claims experience, to ensure you 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
Prompt attention to. Claims made
Thank you Bobbi, 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
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Eileen! We are here for you 24/7 and you can reach us anytime at (855)210-8746 Best wishes, The Trupanion Team
Our Sargent Tibbs was a very affectionate cat with a bad habit of stealing his brother's food as well as people food. Cheese bread being his favorite. Unfortunately, this led to him blocking. With help from our vet, the animal hospital, and online help with a Trupanion rep, we were able to submit our claim to Trupanion and were covered for $10k+. We got 2 more years with him as a result until his passing in January of 2026.
Amber, we appreciate you taking the time to share your story with us, and allowing Trupanion to protect Tibbs. We are very sorry to hear of his passing, and send you our deepest condolences in this difficult time. Please let us know if there is anything you need further. Our team is here to support you 24/7 and you can reach us anytime at (855)210-8746 With love and sympathy, The Trupanion Team
Claims are very easy to process and there’s always an immediate response. Excellent service.
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Roula! Should you need us now, or in the future, you can reach us anytime at (855)210-8746. Sincerely, The Trupanion Team
We had our Golden eat and vomit up a sock and Trupanion refunded us within a few days of getting the claim!
Thank you Marie Elizabeth for sharing your story with us here. We are very sorry to hear you and your pup endured this stressful time, but we are grateful we could be there to support you two through it! We hope your pup heals quickly. Please give them a big belly rub from our team! Should you need us now, or in the future, you can reach us anytime at (855)210-8746. Sincerely, The Trupanion Team
The check arrived quickly, Not sure if this is for all three claims or just one
Hi Jenny, We're glad we could be there for you and your pet, and we appreciate you sharing your experience with us here! If you have any questions regarding your claims, please don't hesitate to reach out. We're here to support you anytime at (855)210-8746 - you can reach us 24/7! Take care, The Trupanion Team
Fast response time and no hassle easy claim submittal process
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Rosi! We strive to provide a quick and easy claims experience 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
Trupanion has been great insurance to have. Our dog has some health issues and Trupanion saves us a lot of money. When you send in a claim they handle it in a hurry. Very prompt. They will even pay their portion when checking out in a timely manner. Great insurance.
Vicki - Thank you for sharing your experience with us here! It means the world that you chose Trupanion to protect your pup. We are grateful we could be there for them to ensure they received the treatment they deserved. Should you need us now, or in the future, you can reach us anytime at (855)210-8746. Sincerely, The Trupanion Team
Hi Teresa, Thanks for sharing your experience with us here and being part of the Trupanion family! It means the world to us for you to protect your pet with one of our coverage plans. Please let us know whenever we can offer our support now or in the future. We're here for you 24/7 at (855)210-8746! Take care, The Trupanion Team
Experience was 😊 good Scooby our baby we love ❤️ him Thank you Ines& Joseph
Thank you for taking the time to share your experience with us here and trusting us with Scooby's medical coverage, Ines! Should you need us now, or in the future, you can reach us anytime at (855)210-8746. Sincerely, The Trupanion Team
Best pet insurance ever. My dog is a living example of how this insurance saves dogs. When I got a Saint Bernard, I knew vet bills could be expensive so I bought this insurance, just in case. It is the best decision I ever made. This company is excellent. My Saint, Maisy, has had many medical issues; she has been in and out of the hospital multiple times. She is five years old. This insurance has never once denied a claim. Not once. I would buy it again without hesitation if I ever had another dog. It has literally saved her life and is worth every penny.
Thank you for taking the time to share your experience with us here and trusting us with Maisy's medical coverage, Deborah! We are so grateful we could be there for you both over the years. Our team is sending you both our best wishes of health and happiness. Should you need us now, or in the future, you can reach us anytime at (855)210-8746. With love, The Trupanion Team
I filed my first claim this week and the response was almost instantaneous. what they covered and what was not was clearly laid out as was the reason they didn't cover an item. I was perfectly satisfied
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Cathy! Our goal is to provide you with clarity and transparency, to ensure you feel confident about your pet's coverage. 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
Trupanion is awesome! They pay the office on the spot!
Susan, we appreciate your kind word! It means the world that you chose Trupanion to protect your pet. We are here for you 24/7 and 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, Lisa! We are here for you 24/7 and you can reach us anytime at (855)210-8746 Sincerely, The Trupanion Team
I took out a policy with Trupanion for my new puppy, Kimi, from the day I brought him home on 21 June 2026, believing I was protecting him from unexpected veterinary expenses. My very first claim for an ear infection was denied as a "pre-existing condition." Their reasoning was that the vet notes recorded Kimi had been scratching his ears for approximately two weeks before the appointment, and they used that estimate to conclude the condition existed before my policy started. This was despite me only taking ownership of Kimi on 21 June. As a new pet owner, this experience has completely undermined my confidence in pet insurance. You pay premiums expecting support when your pet needs care, only to find that common puppy issues can be excluded based on retrospective assumptions rather than clear evidence. The appeals process made no difference. After a "thorough reassessment," the original decision was simply upheld with the same explanation. My experience has left me questioning the value of paying for insurance if the first genuine claim is declined on such technical grounds. I would strongly encourage anyone considering Trupanion to read the policy wording very carefully, particularly the definition of "pre-existing conditions," and compare it with other providers before making a decision. Unfortunately, my first experience with Trupanion has been extremely disappointing. ***Reference to your message/response below.*** This is very much a message for the general public to read on how great your customer care is supposed to be, where in reality the email I received was “sorry to see you go”.
Hi John, We're sorry to hear that Kimi needed medical treatment, and we're sending lots of wishes for a smooth and speedy recovery your way. We understand that this hasn't been the experience that you'd hoped for, and we'd like to provide some clarification here regarding our claims process and what to expect from your coverage. Our plans are here to help with new issues that may show up after a pet's plan is fully in place and any applicable waiting periods are through. In the unfortunate event that an issue begins showing signs or symptoms of starting before that time, even if no formal diagnosis is made, it's considered pre-existing and ineligible for coverage. Please know that while we can't help with conditions that began showing signs of manifestation prior to your coverage's inception date, this doesn't affect our ability to help with new and unrelated issues that may show up down the road. Your situation is important to us, and we'd like the opportunity to discuss your claims with you directly so that we can provide any further clarification possible and answer any additional questions you may have. We want you to feel confident in Kimi's medical coverage, and our team is available anytime to offer our support. You can reach us 24/7 at (855)210-8746. Take care, The Trupanion Team
Transparent, seamless and quick.
Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Chris! We are here for you 24/7 and you can reach us anytime at (855)210-8746 Sincerely, The Trupanion Team
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