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Your premiums increase like crazy. It makes more sense to put that money away each month and build a little "reserve" for them. Because you will have a hard time actually using it or getting it back (in care) from Trupanion. Above all they are an insurance company - money money money... When we got our pets and I was blinded by my love for them, I thought I would get the best for them. At the time Trupanion sounded great. Trupanion will send you "cookie cutter" emails, making you think they care, "Thank you for taking such good care of your furry friend". But it's complete BS. All they care about is your $$ (Insurance company!)... After constantly having to go through the appeal process, those emails start to sound very patronizing. They will also contradict what the vet said, and talk down to you in the emails - like you don't know your own pet. Our vet has been flabbergasted with the lack of care Trupanion provides. When it comes back to it, as an insurance company, they will do all they can to NOT support you. Sadly, after several years with them I finally get it. I will definitely NOT be using them in the future and my family is currently looking at alternatives... Hopefully the cancellation procedure isn't too bad...

We had a poisoning problem with our Lab 10 month old puppy, chewed up wife's inhaler that got knocked on the floor accidentally, happened after hours. Trupanion wouldn't cover the emergency vet's initial exam nor his follow up exam since they don't cover routine exams, how these were routine I don't understand. Also took nearly a month for them to pay anything on the claim, lousy service, find someone else.

DOLCE WAS A SICK KITTY,VOMITING OFTEN DUE TO FOOD ALLERGY THAT WE DIDN'T KNOW ABOUT. LARGE BILLS FOR TESTING TAKEN CARE OF BY TRUPANION. SO VERY GRATEFUL FOR THE INSURANCE. WOULD, AND HAVE RECOMMENDED TRUPANION TO FRIENDS WITH PETS.

My baby had a moment of naughtiness that sent him to the vet...he untucked my comforter and proceeded to chew on the thread that held it together. He ate quite a bit and then had some that was hanging from his mouth...all the way from his stomach! My vet fixed him up within a few days and I was so happy to learn his insurance would cover this...I get picked on all the time because he has insurance, just as a person would, but I had the last laugh when I was able to take him to the vet, get him the care he needed, and be able to afford the payment. Thank you Trupanion!!

Appreciated the detailed breakdown of cost and reimbursement - well laid out and easy to understand. The turn around time of my reimbursement was reasonable. It's disappointing that I am expected to pay the vet up front first, especially for large amounts. My dog needs to go for surgery. It will cost over $3000 - funds which will take me many months to save. If Trupanion could pay my insurance portion to my vet directly, I would be able to get him into surgery now. Since they won't do that, it will be another 4 months before I can afford the surgery. I feel this defeats the purpose of getting insurance.

Quick and courteous

Trupanion has been a blessing for our family as well as our doctors.I can't express how grateful we are to be able to have this coverage for Max.

I did a lot of research before choosing Trupanion. They have the highest payout at 90%. I have had them for years now on my yellow Lab, but only after he turned 8 years old did we really feel the benefits when Jack was diagnosed with cancer. I kept saying that this is why we signed up, for a life threatening and expensive problem which we hoped would never happen. Our dog is doing great 7 months later, but at the time he needed a lot of diagnostics at the Oncologist, and he got them, thanks to Trupanion.I love the back story on this company, too. Check them out. They really care,you always get a real person to talk to, they are organized and experienced. I highly recommend Trupanion.

I love my dog. But he has had some serious health challenges. Last year his vet bills were around $11,000. If I didn't already have Trupanion insurance, I would not be able to afford to keep my little bundle of love. Trupanion pays quickly, gives great coverage, and has made it possible for me to afford my dog's healthcare. Getting coverage was the best thing I ever did for my pet.

I have always avoided pet insurance until a friend recommended Trupanion. I started doing research online, read reviews, asked my vet and Trupanion kept coming out on top of the pack! I got it for my 9 year old dog and 2 year old cat. They have been receptive, on top of things and for someone that likes to do things online - they were simple and quick. Responsive is key and I have to share, I didn't wait for anything. I am impressed and very, very happy with this company.