For 6 years I paid THOUSANDS of dollars for full coverage with this company—I NEVER filed a single claim with them! They denied my one and only claim with them for a UTI in my 14yr dog. Their reasoning for denying this claim was because 7 gyears ago my dog had accute kidney failure (nothing to do with any sort of UTI). But because this company feels acute kidney failure, acute renal failure, abdominal urinalysis/blood values—are the same signes consistent with a UTI. They denied my claim for a common UTI 7 years later. Trupanion told me I could attempt to disbute their denial of my claim, but the representative said, “no one ever wins the disputes and I’ve never heard of them paying a denied claim”.