My premiums have gone up 252% in 7 years. That’s an average of 36% increase per year. Ridiculous. You are much better off putting that premium in an interest bearing account and self insuring.

Update June 15: Trupanion did not cover any of the costs associated with my dog's illness. Then they followed up with reducing the amount they were paying for her Invertebrate Disease because I had rehab (not paid by Trupanion) for her elbow and knee. Trupanion decided that my holistic treatment "could" have also be treated for the Invertebrate Disease and reduced the amount. Finally, to top it off, they increased my premium with 2 weeks notice, They claimed that they sent me an update, but somehow, I didn't receive the email notice. How on earth did they know that I hadn't received the email? If you want to be treated horribly after paying premiums for over 14 years, then you may want to consider Trupanion. Otherwise, you have many other options now - you should exercise those options. If I could write a zero review I would. My 14 year old dog has been with Trupanion since she was 10 weeks old in 2011. We rarely had any claims until she reached about 12 years old. After paying our premiums for over 14 years, Trupanion is now taking almost 4 weeks to review a claim for a condition that has been covered for over 2 years. Our premium was also increased as our claims increased and when we appealed Trupanion’s decision to apply a deductible when it had already been paid for the same condition.

If I could rate a zero, I would. I have a 14 year old flat-coated retriever that I have insured with Trupanion since she was 10 weeks old. We rarely submitted claims (and in 90% of the cases that we did, Trupanion just applied costs to the deductible and we did not receive any coverage), until our dog was 12 years old. While Trupanion states that the deductible for a given condition will be applied only once over the lifetime of the pet, that was not the case for me. My dog had a condition that appeared when she was 2 years old (we paid a deductible), when she was 4 years old (again paid a deductible) and most recently when she was 14 years old (and again had to restart the deductible). The term "chronic" condition was shared with me repeatedly. So, if you dog's condition is not chronic, but appears randomly (same symptoms, same treatment, same outcome), do not expect to be covered. Additionally, Trupanion is now delaying processing and payment of a claim for a condition that we have submitted and have covered for the last 2 years. Finally, Trupanion also increased our premium just after I submitted an appeal on the repeated deductible on a condition for which I have already paid. Please ensure that you consider other insurance providers when looking for coverage for your pet.

Flat out refuses to respond to the only claim i sent in during the last four years. Just filed a claim w branch of California government that oversees insurers. Changing to costco pet insurance.

I filed a total of 14 claims, but they only paid out on a couple of them and only a small amount—$25 out of a $476 claim. I've been with them for two years and recently decided to cancel my policy. I pay over $125 monthly, but I've had no approved claims during this time. This is the worst pet health insurance; I wouldn’t recommend it because they don’t make any payouts!

Horrible website. Claim submission process is ridiculous. 4 tries to submit a claim. get your website act together please

We adopted two kittens, brothers, at the same time, with the same completely clean medical history. They soon showed symptoms of parasites (almost certainly from the adoption facility they were in). One of their claims was approved and the other was denied, citing a "pre-existing condition". We ended up needing to spend over $10K on emergency vet services to keep our little boy alive and MetLife covered exactly none of it, due to this supposed "pre-existing condition". We would've saved more money and headache by foregoing the insurance altogether.

The ASPCA has repeatedly denied claims that were covered during the same policy period necessitating several, time consuming, appeals. I have referred this company to over 100 people over the last 8 years I have had coverage for my dog because the coverage was clear and promptly paid. Si9nce January, 2025 every claim has been denied. I am hearing from several people I referred to ASPCA Ins that they have gone elsewhere for the same problem.

Took my dog to the vet and did a claim they sent it too the vet they had to cancel that check and still waiting for the check I called them and their stating that they have too reissued me another check

Have used this insurance for a few years now, their service level has gotten much worse. For every claim we make now, they are requiring to send full medical records for the pet for the pet's entire life -- even if they already have the records because they made us send them previously!!! Our pets have been with healthy paws since we adpoted them (at 8 weeks), we provided their adoption visit records and have provided full medical records multiple times now. But to complete any new claim they are requiring us to send the same full medical history every time... Getting very time consuming to use this service and we will look for another - too bad they were good to us for years.