Trupanion | Pet Insurance Review

At first, I was thrilled to get pet insurance with Trupanion (through Chewy) and the policy I purchased, which is the highest tiered one, seemed amazing. Before I purchased it, I read through all the policy documents and I even printed out a copy for reference. After I paid for the policy, I patiently waited and completed the "waiting period" before the policy kicked in and became effective. All of this took place around February (I believe) or March. After the waiting period lapsed, I proceeded to take advantage of the insurance when I had to take my dog to the vet, mostly routine check ups and vaccinations. The policy even included the ability to request reimbursement for my pet's medication as long as it met the requirements. After a couple of months, I attempted to cancel the policy because I was experiencing financial hardship and I could no longer afford the $107 plus monthly premium. When I called to cancel the policy, I was told that in order to cancel it, I would have to repay all the money I received from the claims I filed, which amounted to about $277 and change or somewhere around that. I commented that I just said I could no longer afford the $107 monthly premiums but you want me to repay $200 some back? They justified this by explaining that I would have to have paid an amount in monthly premiums equal to the amount of my claims in order to not owe anything, despite me paying the monthly premiums on time, in full, every time. In addition, I re-read the policy paperwork I printed out for reference and as far as I can see, there is no mention of having to repay all the money I received from the claims I filed. I was also told that if I didn't repay all the money back with in three days of canceling, I will automatically be sent to collections. Frustratingly, I rescinded my request to end the policy and continued paying the premiums for another month (which put me in an even worse financial position). When the next month rolled around, I ended up re-homing my dog for the same reason, financial hardship. I called Trupanion again and explained that I no longer had the dog so I won't need the policy anymore. They immediately canceled the policy but didn't mention the repayment at all, so I assumed the situation called for waiving the requirement to pay all the money back. Sadly, that wasn't the case and they've been attempting to collect from my account, but since there's no money in it, it's been declined every time. Luckily I don't get charged NSF fees from the company I have the card through (Paypal). They've been attempting to collect that $271 and change (or whatever the exact amount is) for several days now, so I decided to close that card and get a new card with a new number. I strongly urge anyone and evreryone TO STEER CLEAR FROM THIS PET INSURANCE COMPANY!!! They're just another money hungry business that does not care what your situation is, they just want their money in whatever way they can get it. DO NOT BUY YOUR PET INSURANCE FROM THEM!!!!

Every single Trupanion representative that I've spoken with has been friendly, patient, very helpful, and extremely knowledgeable. If only more companies provided this level of customer service. Thank you.

Great service

My Cavalier King Charles Spaniel lost his battle with lymphoma. The rep from Trupanion, with tears in her eyes too, helped me adjust due date for payment and cancellation date to avoid my being charged and needing to file for refund.

They authorized my vet to receive pay from Trupanion within an hour or two, so I only had to pay my share. 4 stars and not 5, because it was a while to wait in the vet office and they only cover 90% not 100%. With a 500$ deductible +10% of bill, plus cost not covered such as an unscheduled Emergency visit to vet an additional 150$, I paid 800$ in total same day of a 1400$ bill.