Trupanion | Pet Insurance Review

I needed to add a new pet onto an existing policy that was started through my employer. MetLife was able to do everything over the phone and notify my employer to add the new pet. It was all done within 5 minutes! Very fast and easy!

Thank You Trupanion, for being there when my Milo had an emergency . They were right there helping and taking care of paper work during Milio's emergency at the vets. Thank You for being there. Bless You.

I recently signed up for insurance for a one-and-a-half-year-old rescued Boerboel. When I called them to get information about the policy coverage among other things I was told there was a five-day waiting period on injuries. Two weeks into my policy my dog tore her ACL. I contacted my insurance person that wrote my policy and she assured me that it would be covered being that the five-day waiting period had passed. My $7,000 claim was immediately denied due to a special clause that excludes the 5 day waiting period for several major injuries. When I contacted trupanion they first told me I was denied because they're of the opinion that a dog does not tear their ACL unless there's previous degeneration already present. That is the dumbest thing I've ever heard, she's still a puppy !! The surgeon agreed that there was no previous damage and sent her her findings to trupanion stating such. I was again denied. I was told there was a clause under the pre-existing condition section that lists these special exclusion. When I contacted my insurance person she completely disagreed with how the contract was worded and that this exclusion was not listed with the waiting period section of the policy but was put in a paragraph down in the pre-existing condition section and was worded in a way that made it sound as if that special exclusion was only on pre-existing conditions. When I contacted trupanion again they did not seem to care about how misleading their policy was and l was told that I should have called them and ask questions about the way it was worded and what they intended it to mean. Why would anyone call and ask that question if they thought that they already understood what it meant and had the reassurance from their State Farm agent who also understood it to be coverd. If they cannot understand what a policy means then how in the hell do they expect the average person to understand it. That's why we call our insurance person !!! The real kicker is that now her knee injury is considered pre-existing and will also exclude any coverage of possible future injuries to her other knee being that they consider the second injury to be caused by the first injury. Wow that's a convenient way for them to get out of another possible claim!! I also wanted to mention that my premium is $176 a month which of course I thought was high but now that I read other reviews I realize I am paying almost triple of what everyone else was quoted. Please take my advice and choose another company that will not charge you a fortune and find a way out of paying all of your claims. This is been a very expensive lesson for me to learn but I guess it's better that I found out now before I spent a ton of money on premiums to just be denied for all of my future claims. RUN!

Excellent service, always maintains communication and orientation with the client, on the other hand immediate response. Thanks.

We signed up with Trupanion because of a serious spinal injury to our previous 15 year old Schnauzer for which we were facing about $10,000 in surgery related out-of-pocket expenses. After she passed, we acquired our two Labradoodles about 5 ½ years ago. We signed up with Trupanion after deciding it was well worth the monthly premiums to insure against the cost of possible catastrophic injuries, illnesses, or conditions. After incurring the cost of two procedures to remove tumor growths from one of our doodles, we decided to process a claim. I contacted Trupanion staff a couple of times before submitting our claim. They were both extremely professional, friendly, and helpful. And, the both encouraged me to submit claims for all of our expenses, even though most had occurred over the 5 years we have had our doodles. We are very pleased with the manner by which our claims were evaluated and the results.