Not a great experience with these guys unfortunately. The first claim we made took 5 weeks to process. All communication was restricted to the app. Price was increased by 15% after 5 months. The PDS (Product Disclosure Statement) is not available in .pdf and only on the app. Additionally the app PDS does not share the details of the $ coverage for each aillment (i.e ticks), making it difficult to compare to alternative insurance providers. I've switched to Budget Direct who were significantly cheaper, provide a detailed PDS in .pdf via email and have both an app chat and call centre for any claims/questions.

I wasn’t able to complete my claim online. The person I chatted with said she would send me an online and she would send me a claim form online to fill out and then upload. Luckily, I haven’t had to have any claims, but never mentioned what I then saw after I was frustrated and got off the phone that you needed to update your password if you hadn’t been on the site this year, so all that time and $77 a month was not anybody even mentioning that could’ve been an issue I figured it out myself I’ve said this once before to this organization you’re charging $77 and change a month for 20 month old I mean a 20 pound dog And so I am fact would expect more than that in customer service

The SOAP notes have been holding me up. The vet office doesnt typically share these so I have to make several additional attempts to gather everything needed to get a claim paid. I wish there was a direct line from the vet to the ins so I didnt have to ask for this each time.

Terrible customer service. I was hit by one of their customers and it's a nightmare trying to get the car fixed and a rental car. It is days before hearing back from emails. The check was somehow sent to an incorrect address and took a month to find out why. You get what you pay for and this company must be the cheapest insurance option available because they have the worst customer service I've ever experienced.

Reply from Trupanion

Premiums going up and service going down. Incoherent denials. Even my vet said she is not happy with trupanion these days.

Our costs have skyrocketed 158% since we started with Trupanion 10 years ago. This is a breach of trust from the agreement we entered into and we are beyond disappointed in this from a financial and ethical standpoint.

**REPLY TO DUTCH: Your team never reached out to me regarding tracking, your response is misleading. **INITAL REVIEW: They are missing the mark on user experience. Getting an appointment is great but it is impossible to find and track your pet's paid for medicine order. Told it would arrive in a day or two but no order or any tracking available on their actual site, I never recieved an email about my paid order, nor a text. Two days later I'm wondering what's going on, no notifications. I had to find the order via the webpage on my phone where I placed and paid for it initially, thank God I kept the page and didn't x out of it. Then was directed to a third party app from Shopify to track the order and there isn't any tracking there either. Dutch should have all of this information in one place, similar to Amazon. I shouldn't have to go to three different places to find and track a medical order. I still don't have any updates. One med says in transit but no tracking information, the other three look like they are sitting in the queue but again, no update. It's stressful, especially when you have a senior dog in pain. This site should allow images to be uploaded so that I can show the complicated steps it takes just to track medicine orders.

Avoid at all costs! They increase rates by as much as 57% every year for a single healthy young pup. When you do file a claim, they often deny giving an accuse that the itemized bill isn't legible, when anyone with normal vision can read it perfectly fine.

Another month, another denied claim. Same bullshit. Same excuses. Same broken system. At this point, MetLife isn’t just incompetent—they’re predatory.