I filed a claim on August 23, 2025-to date have heard NOTHING except more information was needed about 3 weeks after original claim submitted and after i had to make an inquiry as to status of claim. Information was sent and i have heard nothing so probably canceling

I have been with this company for almost 10 years. At first it was affordable but now my dog's health insurance costs more than my health insurance. The insurance doesn't help with the office visit cost or cost of diagnosing an issue, just treatment which sometimes is included in the office fee. I would like to take my dog to a specialist but between the cost for the office visit, the $250 issue deductible and the monthly premium I keep paying, I am not sure I can afford to continue this insurance.

One star is too much for this company. They have been double charging me for over a year! You call and it takes forever to talk with someone. Then they have no one that can help. Its what they say period. I will be filing a report with my bank! BIG SCAMMERS

Issues not resolved

I had a very unsatisfactory experience with Homebody. My policy was supposed to be cancelled as my lease had ended and I already moved out. They continued billing me so I called again to cancel service and their customer service representatives were extremely rude and unhelpful. They said they would refund the premium forward, but would not backdate it to my move out nor repay the “convenience fee” they were also charging. Very unprofessional behavior and I would not recommend anyone use them.

I wish I could say they were great! it takes long to get their results and they have no idea about animals they care for. They rejected my claim on my puppy saying that diherriea was a pre-condition (from 2 months prior!!!). What puppy survives 2 months of lose stools and they should know better that for puppies it is very common to have bowel issues as they get to anything. Poor judgement.

We signed up with Trupanion in December 2022 at $129 a month because they advertised fixed-rate protection. That was the deal and the reason I signed up and agreed to that high price for puppy insurance.

I have submitted my first claim and I’ve had nothing but problems. I keep getting messages that the medical records need submitted and after multiple submissions from both myself and my vets, in addition to multiple calls with no resolution, I feel I need to submit this review to warn others.

So, I posted a review about their overinflated pricing and how every year my insurance has gone up by 50% since I've had them for the last 3 years. So, I called them today to discuss my dog's dental procedure, which is partially covered. I had the same procedure done before and paid my deductible, so it should be satisfied, but because I had to increase my deductible to lower the monthly cost due to their inflated increase, I was told that now I have to pay the deductible again. That I have to pay the difference between the last satisfied deductible and the new deductible amount. I satisfied that deductible long before I increased my deductible. I should not have to pay another deductible. I wouldn't have had to raise my deductible in the first place if they didn't increase my insurance rate by 50% year-over-year. They also listed it as a fractured tooth when it was actually enamel hypoplasia, so let's see if they try to make me pay the entire deductible and try to say it's something different because they classified it under the wrong diagnosis in the first place. Also, after my last review, Trupanion responded and asked for my policy number so they could reach out to me, which of course they never did. This is the worst insurance company, and by far the most expensive pet insurance company in the entire United States. Maybe if you live in the country the prices are fine, but if you live in the city, you are being reamed by them. I guess we're being overcharged so that the people that live out of the city can keep their lower rates. Anybody that I referred to them has now left, and after this phone call today I will most likely not be staying with them either. Especially not when I can have a $250 annual deductible, 90% reimbursement, no annual limits, and no extra charge for physical therapy or acupuncture ( I pay an extra $25 a month with trupanion), for $146 a month, which is less than half of what my new rate is, which is $346 a month. And now I'm told I have to pay my deductible again because I had to raise my deductible 6 months after I had a procedure done that satisfied the deductible? I don't even know if that's actually legal, I'm going to file a complaint with the Better Business Bureau if they charge me that extra $75. My insurance is scheduled to renew and go up in November, so I have until between now and then to figure out where I'm going to go, because at this rate, I'm going to be paying $800 a month in insurance within the next 5 years.

Claims took forever to resolve. Their pre-existing conditions make insurance worthless. Will be canceling.