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Trupanion Reviews 

12,149
TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Evaluating 3,031 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the remarkably fast and seamless online claim process, noting that direct payments to veterinarians significantly ease financial stress, anxiety and worry during unexpected medical emergencies. Policyholders also consistently praise the compassionate support team for being exceptionally helpful, kind, and responsive whenever assistance is needed. Some reviewers were not happy with the steep price increases and increasingly expensive monthly premiums charged over time. A few other people also felt that the strict per-condition deductible rules and occasional unexpected claim denials made managing veterinary expenses quite frustrating overall.

What people talk about most

Service

Customers consistently note positive experiences with service, praising the quick claim processing and... See more

Claim

People report positive experiences with claim processing, highlighting the fast and efficient online... See more

Payment

Customers had positive experiences with payment, highlighting fast pre-approvals and prompt direct payments... See more

Price

Consumers find price to be ambiguous, experiencing both high costs and financial relief. Many reviewers... See more

Customer service

Reviewers mention positive feedback about customer service, highlighting super friendly support and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I can’t imagine not having Trupanion to help us provide our dog Oliver the best medical care to help him live his best life. Through two surgeries and physical therapy, Trupanion paid 80% of the cost... See more

Company replied

Rated 5 out of 5 stars

My family has had Trupanion pet insurance for almost two years now. We've had nothing but a positive experience. Super friendly support and the claim process is lightning fast. For example, the last c... See more

Company replied

Rated 5 out of 5 stars

We just came home from vacation and found our Frenchton in extreme pain. It took five vet visits (four at emergency clinics and one at our own vet)and an MRI to discover the problem and Trupanion was... See more

Company replied

Rated 5 out of 5 stars

Michelle F. / Member Experience Specialist was beyond helpful! I was extremely impressed with her knowledge of how to handle the issue I had with my claim and what I needed to do to get it taken care... See more

Company replied


Company details

  1. #10 of 18 best companies in Pet Insurance Company

Written by the company

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 company


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

12K reviews

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Replied to 98% of negative reviews

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4.4

All reviews

(12,149)

2,801 reviews in the last 12 months

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Rated 5 out of 5 stars

I have made 2 claims in matter of 1…

I have made 2 claims in matter of 1 day. And Trupanion didn’t blink twice abt covering. And I havnt even made my first payment yet! They took little to no time for approval. It’s nice to feel covered.

September 4, 2026
Rated 5 out of 5 stars

We are so thankful we have Trupanion

We are so thankful we have Trupanion. Our puppy Ginger had an injury that from day one was not cheap and all the follow ups after were costly as well. From wound cleaning to scans and pain meds. Trupanion has been there every step of the way. The claims were mostly easy to enter on the app, we did run into some claim form submission issues that delayed payment, but working with the staff to get this corrected was a simple and quick process. A big Appreciation and Thank you to the Trupanion team. Thank you for calling our puppy Ginger by her name each time we talked, thank you for expressing empathy for our baby girl and thank you for seeing that she's a little life that matters. Keep up the good work. You all are making a difference. What you do matters! Thank You!

June 20, 2026
Unprompted review
Rated 1 out of 5 stars

I never should have signed up with Trupanion

I never should have signed up for the "complimentary" 1 month offer provided by the breeder I bought my puppy from. Trupanion charges a $35.00 enrollment fee AFTER you've already been enrolled a month under the "complimentary" offer and they will not refund the fee if you fail to cancel the policy before the expiration of the "complimentary" month. No exceptions. I called to cancel after seeing the monthly charge on my credit card a few days after the "complimentary" month passed. The charge was almost twice as much as I recall being told it would be. I asked for a full refund of the amount I was charged and was told it would be processed in a couple of days. A couple of days later I received an email stating my refund was processed but it was for about half of what I was charged! When I called again I was told the enrollment fee is non-refundable and the monthly charge was prorated for 4 days. I was NEVER told I would not be refunded any amount when I called to cancel. I was told my request for a full refund would be processed, but it wasn't and they have refused to do so. DO NOT WASTE YOUR MONEY WITH TRUPANION!!!

September 5, 2026
Unprompted review
Rated 5 out of 5 stars

Easy to file claims

Easy to file claims, although my Vet does not accept payment straight from Trupanion. They still reviewed claim quickly and sent payment directly to me along with the EOB's. I was impressed.

June 22, 2026
Rated 5 out of 5 stars

Signed up twice, and would again.

Trupanion is very easy to submit a claim with, they process them quickly, customer service is kind & available all hours, the 90% coverage is great. Had Trupanion for my last two dogs and will sign up again when I’m ready for a new fur baby in my life.

January 17, 2026
Rated 5 out of 5 stars

So happy I have Trupanion!!

My cat was 8 weeks old when I adopted him and the vet mentioned the insurance. It sounded like a good idea to me. I questioned the decision to have it as it was never being used as he had no issues. He has issues now at 13 and I am very glad I made the decision to get it and keep it. Claims are paid very quickly!! It’s a relief to know it’s there now and I can move forward with my cat’s veterinary treatment plan.

September 3, 2026
Rated 5 out of 5 stars

With all of my concern wrapped up in…

With all of my concern wrapped up in Clyde's wellbeing, having my bill taken care of on the spot was such a relief. I was able to concentrate on what was really important, my little man. Thank you Trupanion.

September 3, 2026
Rated 5 out of 5 stars

Fast and easy on my first claim

Fast and easy on my first claim. I am pleased. The process was so much simpler than I expected. I had my expectations set low because this policy is supposed to be a comfort and I didn't want to be stressed about what would be covered. They covered more than what I expected.

September 3, 2026
Rated 5 out of 5 stars

I was very pleased that trupanion…

I was very pleased that trupanion covered most the cost of my vet bill..I am so happy to have this company serving my pets health needs. The payment process was very quick and easy in which they paid the vet directly. I am very satisfied that I chose trupanion for my pets health insurance.
Thank you so much trupanion!!

September 3, 2026
Rated 5 out of 5 stars

Questions about enrolment

I had some questions about enrolment and the support person helped get my account updated and corrected. We already processed to vet bills . Thank you so much for excellent service and communication.

September 3, 2026
Rated 1 out of 5 stars

I am considering canceling

I am considering canceling. Any issues Sam has are not covered other than his seizure medication which is less than his monthly premium. I am a retired Veterinarian and I paid for food for allergies for an indigent client. So Sam is listed as having alllergies in his history, which his doesn't have and if he gets an ear infection from the groomer getting water in his ears it is not covered. I can afford a 2 or 3 K bill and I would not put him through excessive treatment. So the cost of coverage is not worth the long term cost of premiums.

September 3, 2026
Rated 1 out of 5 stars

So disappointed!!!

So disappointed!!!! At 3 months old my puppy ate a leaf that upset her stomach (we went to the vet and were told to monitor her) and then a couple weeks later she ate some deer poop that gave her diarrhea. We mentioned that to the vet since we were there for her vaccinations. Now she will never be covered for eating anything foreign (Dietary Indiscretion -
Foreign Body Ingestion) for the rest of her life. That seems totally unreasonable. I would agree to a time frame to see if the behaviour continues but to outright say NO for the rest of her life to something that occurred while she was a puppy is awful. Trupanion also has urinary incontinence as something they will monitor since it is listed at a vet visit at 3 months of age. She wasn't fully trained!

September 4, 2026
Unprompted review
Rated 5 out of 5 stars

My dog had a grade 4 dislocated knee

My dog had a grade 4 dislocated knee. He had surgery Tuesday, VCA Specialty Hospital filed a pre-approval and by Wednesday, the claim had been paid to them. My portion was minute! Thank you so much for being so efficient!

September 3, 2026

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