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Trupanion Reviews 

12,689
•
TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Looking at 2,835 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently mention that claim processing is remarkably fast and efficient, with many deeply appreciating the direct payment option available at veterinarians. People also consistently point out the incredibly helpful customer support, noting that representatives provide reassuring guidance during deeply stressful medical situations. Some reviewers were not happy with the significantly rising monthly premiums and the expensive costs accumulated over time. A few consumers also expressed frustration that certain routine checkups or specific long term treatments were not covered by their policy. Others noted that navigating unexpected expenses became challenging when deductibles applied strictly to individual conditions.

What people talk about most

Service

Customers consistently note positive experiences with service, highlighting fast emergency surgery approvals... See more

Claim

People report positive experiences with claim processing, frequently highlighting quick payouts, fast... See more

Payment

Clients share positive opinions on payment, noting that claims and reimbursements are processed very quickly... See more

Customer service

Consumers find customer service to be positive, noting that support agents are patient, kind, and efficient... See more

Price

Customers had ambiguous experiences with price, as some reviewers praised how much money was saved during... See more

Reviews shaping this summary

Rated 4 out of 5 stars

You promise that even when my puppy is a full grown, 15 year old dog she'll be a puppy to you. Her coverage will not decrease with age. I can't receive the form as proof of her being a SERVICE DOG,... See more

Company replied

Rated 5 out of 5 stars

We recently had to say goodbye to Dakota and were thankfull that the cost associated with her care was something we never had to consider. Throughout her 11 years with us we had to face som... See more

Company replied

Rated 5 out of 5 stars

Trupanion has taken away the financial worry of having to pay for my dog's injury or illness. It literally has saved my pets life as I would not be able to pay for his allergies or allergy induced ill... See more

Company replied

Rated 5 out of 5 stars

the upfront submission at the IVS clinic saved me from footing an extremely expensive emergency surgery. It was one less weight on my shoulders while worrying about Toby, and I was impressed with the... See more

Company replied


Company details

  1. 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

13K reviews

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Replied to 99% of negative reviews

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4.4

All reviews

(12,689)

2,718 reviews in the last 12 months

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Rated 5 out of 5 stars
Trupanion logo

Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Brandi! We are here for you 24/7 and you can reach us anytime at (855)210-8746

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

We submitted a claim via email that had…

We submitted a claim via email that had two parts to it. Initially you had missed the second part. When it was brought to your attention the oversight was corrected immediately

23 October 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Linda! We offer quality customer support to address any questions or concerns that may arise. Your peace of mind is important to us and strive to ensure support is given to you as quickly as possible. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 1 out of 5 stars

Was told being spayed is not something…

Was told being spayed is not something you cover when I was told that it would be.

23 October 2026
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Reply from Trupanion

Thank you for sharing your experience with us here, Daniel. Not all coverage plans are the same, and here at Trupanion, we choose to focus on helping with direct treatment costs for pets in the event of unexpected emergencies, which can be difficult or impossible to budget for. Due to this, we make the difficult, but necessary decision not to cover preventative care, such as spay and neuters so that our focus may remain on providing members with access to unlimited payouts when they need us most. We strive to be as transparent as possible and we are here should you ever have any questions about our coverage. Our team is here for you 24/7 at (855)210-8746!

Sincerely,
The Trupanion Team

Rated 3 out of 5 stars

Cost for coverage is got too high.

When I first signed up the cost of coverage was manageable but over the past three years the monthly coverage cost has got out of hand. At the point where I may have to find another carrier.

22 October 2026
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Reply from Trupanion

Thank you for sharing your experience with us here, Darrell, and for trusting Trupanion with your pet's coverage. We understand how difficult increases can be. Veterinary care is an advancing field, where costs have significantly increased over the years. Unlike other providers, Trupanion ensures your pet will continue to have the coverage they deserve throughout their entire life. We won't base your pet's monthly cost on the number of birthdays they've celebrated or the amount of claims they've filed with us, but rather the actual cost of vet treatment and breed population in your area. Rest assured any changes you see to the price of your pet’s coverage will always be firmly rooted in being here for them long-term. Your concerns are important to us, and we want you to know we are here for you 24/7 to address them. You can call us anytime at (855)210-8746.

Best wishes,
The Trupanion Team

Rated 5 out of 5 stars

Compassionate, fast & there when you need them

Compassionate, fast, and there when we need them

All of our dogs are rescues: two deaf Great Danes and a blind Mastiff. We’ve insured them all with Trupanion, and our kitty is insured, too.

Our current dog, Boppo, has been covered through eye surgery, a seizure diagnosis by a neurologist and lifelong medication, an emergency tooth extraction, bilateral TPLO surgeries with follow-up physical therapy, and two emergency surgeries for colonic torsion. MacTavish needed spinal surgery for a neurological condition before turning one, along with holistic care such as acupuncture. At eight, he developed bone cancer and had a limb removed; Trupanion was there through that, too—including when he got his own set of wheels. Mouseasaurus Rex was treated for valley fever and endocarditis, which involved a lengthy recovery with a cardiology team.

Thankfully, our kitty has only needed one claim so far, but Trupanion was there for him, too.

Pet insurance isn’t cheap, especially with giant breeds, but Trupanion’s customer service is compassionate, empathetic, and incredibly efficient. The claims process is fast: a recent $6,000 claim was in my account in less than 12 hours. During some of the most frightening and difficult moments with our pets, Trupanion has been there for us. In our experience, you really do get what you pay for.

22 October 2026
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Reply from Trupanion

Michele - your story is why we do what we do, and we are honored that you chose Trupanion to stand by your pack. Thank you for sharing your experience and kind words with us here - it means the world. Our team sends you and your pet's our best wishes of health and happiness. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

With love,
The Trupanion Team

Rated 5 out of 5 stars

Best decision I ever made for my dogs' health.

I have used Trupanion since they came into the US Market in 2008. They have covered all 5 of my dogs over the last 18 years. My vet recommended them and it is the best decision I ever made for my dogs' health. They are easy to use, and provide generous support. I have a bread that is known for certain traits and Trupanion has made a huge difference in their quality of live.

22 October 2026
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Reply from Trupanion

Patricia - thank you for entrusting us with your pack's coverage over the years - it truly means the world to us! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Fast response

Fast response. Direct to my vet. Painless process

22 October 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Devin! We strive to review claims as quickly and efficiently as possible so your focus may remain on your pet! Our team is here for you 24/7 and you can reach us anytime at (855)210-8746

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

My cat's hospitalization and treatment…

My cat's hospitalization and treatment were covered, minus the diagnostics and deductible. My vet was paid directly right away. Great service.

22 October 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your cat's medical coverage, Don! We are so glad we could be there for your kitty, and send our best wishes for a smooth recovery their way! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Thank you, Trupanion!

I trust Trupanion for my pet insurance! I love how claims are paid quickly and directly to my veterinarian, and that the monthly insurance premium stays steady throughout the pets entire life vs many other insurance providers that exponentially increase the older the pet gets.

22 October 2026
Trupanion logo

Reply from Trupanion

Thank you, Katy, for sharing your experience and kind words with us here! We are so grateful you have entrusted Trupanion with your pet's medical coverage! We are sending our best wishes of health and happiness to you both! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Peace of Mind Managing costs for Sugar’s health needs…

Managing costs for Sugar’s health needs through Trupanion is timely, efficient and gives me peace of mind in making the best decisions for him.

22 October 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with Sugar's medical coverage, Sharon! Our top priority is to ensure you may keep a peace of mind when it comes to your boy! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Great experience

They are quick to process claims.

21 October 2026
Trupanion logo

Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Xavier! We strive to review claims as quickly and efficiently as possible! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Trupanion is always reliable with…

Trupanion is always reliable with claims and payment.

20 October 2026
Trupanion logo

Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Russ! Our goal is to provide you with a quick and efficient claims experience so your focus remains on your pet. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Best Company Ever

This review addresses the most recent claim, as well as all other claims. I have never dealt with a company that's as efficient, timely, responsive, and transparent as Trupanion. They immediately acknowledge receipt of claims submission, and they have a decision within 24 hours typically. They pay according to the policy terms, no messing around. If they don't cover something, they clearly explain why it's not covered. We'll definitely be lifelong customers.

20 October 2026
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Reply from Trupanion

Your kind words mean the world to us, Melissa! Thank you for taking time of your day to share your experience with us here! We are grateful you entrusted Trupanion with your pet's medical coverage and our team sends you both our best wishes of health and happiness. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

With love,
The Trupanion Team

Rated 5 out of 5 stars

Wonderful experience overall

Wonderful experience overall! I have had Trupanion with the last six animals and finally in this most recent one really paid off. Our 2-year-old dog apparently was able to blow out both her knees mostly due to genetics and things to Trupanion we were able to afford the $6,000 surgery to get both done. In the end it was much cheaper and very worth it for us. It was also super convenient that the specialty hospital that we did her surgery with accepted payment directly from Trupanion so we didn't have to wait for reimbursement. Thank you very much! I can tell this is going to be an expensive pup but thanks to Trupanion I don't have to freak out as much about it

23 September 2026
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Reply from Trupanion

Jackie - it sounds like you have endured some stressful times with your pet's, and we are so grateful we could be there to support you through them. Thank you for taking time out of your day to share your experience and choosing Trupanion to protect your pack over the years! Our team is sending our best wishes to all of you. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

With love,
The Trupanion Team

Rated 5 out of 5 stars

Excellent service

Excellent service

21 October 2026
Trupanion logo

Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Nancy! We are here for you 24/7 and you can reach us anytime at (855)210-8746

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Excellent experience with Trupanion for…

Excellent experience with Trupanion for the last 13 years! All 3 of our dogs are insured with them and Trupanion has been extremely responsive and helpful throughout those years. Their customer service is the BEST!!!!

21 October 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pack's medical coverage over the last 13 years, Joe! Your kind words truly mean the world and we are so grateful to be here for you all! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

It was simple to have the claim taken care of

It was simple to have the claim processed at our Vet. All we had to do was let them know we had Trupanion and they took care of the rest.

21 October 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Steven! We strive to provide you with a seamless claims experience to ensure you keep a peace of mind! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars
Trupanion logo

Reply from Trupanion

Thanks so much for sharing your experience with us here and being part of the Trupanion family! We're so glad we're able to be there for you and your pet. Please let us know whenever we can offer our support now or in the future. We're here for you 24/7 at (855)210-8746!

Take care,
The Trupanion Team

Rated 1 out of 5 stars

Don’t know we’re alive

Joined Trupanion in Sept 2026 with a monthly payment of $257 They have taken off 2 monthly payments so far and are still sending me emails asking if a want a quote on joint their insurance firm
I have called and spoken to a representative once about the fact that I’m already a member and want the emails to stop ! I was given excuses and no responsibility was taken and I’m still getting emails asking if a want a quote ? With this king of documentation being kept I wonder about the quality of such an organization I have cancelled all emails from them Oct 22/26 which is too bad as I I enjoyed the educational info given

23 October 2026
Unprompted review
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Reply from Trupanion

Hi Debra,

We appreciate you taking the time to share your experience with us here, and we understand that this hasn't been the experience that you had hoped for! We'd like to help make sure the communication you receive from us is the communication that is relevant to your account status with us. Sometimes when you start a quote with us under an email address that is not associated with your active membership on file, you can receive emails regarding your quote status to that email address.

We believe we were able to locate your account with the information provided here and see that a member of our team has added the email address used for the quote to our unsubscribe list. If you continue to have issues concerning the emails you are receiving, please call us for further troubleshooting and assistance. We're here for you 24/7 at (855)210-8746!

Take care,
The Trupanion Team

Rated 1 out of 5 stars

Your company is so expensive and the…

Your company is so expensive and the coverages suck. The only reason I signed up is because the breeder gave me a free month. $203 a month for a 8 week old puppy is a ridiculous amount to pay for shitty coverage. I will be canceling my policy before i have to pay.

Nice AI response to my criticism lmao

20 October 2026
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Reply from Trupanion

Hi Steve,

We take your concerns seriously and appreciate you taking the time to share them with us here. We want pet owners everywhere to choose the best option for protecting their pets in the event of the unexpected - whether that's through a personal savings account or a provider. Our coverage plans are designed with long-term support in mind, which means that our plans may start out at a higher price than other providers. This is because we expect to be there for you and your pet throughout their entire lifetime, all while providing you with access to unlimited payouts when you need us most.

We want you to know that our coverage plans also offer a wide variety of options to help you tailor your monthly cost to your budget. We'd be glad to go over them with you directly to offer the best information and support we can. Please call us anytime to get started at (855)210-8746. We're here for you 24/7.

Take care,
The Trupanion Team

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