It takes longer than it should to process claims.

There's no clarity as to why some invoices are accepted and why others are not. It always says that I have maxed out of my benefits. I find this very confusing.

First-time user putting in a claim. It seems redundant to repeat the diagnosis when it is in the receipt.

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

I had two older claims that I had not put in. i have had this insurance since 2017 and have paid every month. now I am being told that even though I paid for the coverage, since I didn't file in time it is being denied. I don't think that is even legal.

High Premiums & Crazy Hike at Renewal Figo increased my premiums by 40% and 31%. Now over $310/mo for two healthy dogs. I have been with Figo since 2021. I renewed my policies for a new zip code in March 2025 for a 5yr 2mo old dog and a 7yr 3mo dog. The monthly premiums increased less than $10 per policy due to a new zipcode to $118/mo and $114/mo for each dog respectively ($232/mo total). That’s fine. However, upon autorenewal in May 2025 (only 2 months later) Figo is now increasing the premiums to $165 and $149 per month citing age, breed, and zip code. There was no change in zipcode since the March renewal, no change in breed (obviously), so the only cited reason by Figo that did actually change is age... By two months! How on earth do they justify a 40% and 31% increase in cost for a 2 month increase in age!? These are two healthy dogs / breeds with no persistent health issues and who are not particularly old. I understand Figo has the right to increase premiums by whatever amount they desire, however their cited reason does not make sense to me. Only reason they get two stars and not one is because they paid claims when I submitted and did not scam me. However, we will be cancelling because nearly $4,000 a year is absurd and I am afraid of how much they will jack up the price next time if we stay. Honestly, the insurance is probably not worth it in my opinion. Even though I have filed claims I am probably still in the red given the premiums I have paid since 2021. In my opinion the only benefit is you can essentially spread the cost of a surprise / emergency vet bill over time but you are absolutely paying for that privilege. If you can afford an emergency vet bill once in a blue moon, I advise skipping the insurance.

My dog recently passed away due to chronic kidney disease. It was great that they covered the expenses, although I had to pay my deductible multiple times for the same issue... In the end I probably paid almost half of the bills anyways. The one thing I hated about Trupanion was their cost of coverage increased every year. It started at about 70$ every month (at less than a year old) to about $226/month when my dog was 7 years old - my deductible was $900. It ridiculous how much it increases per year just because my dog gets older.

Cancel this insurance immediately!! I have not heard from you since taking out insurance. I have no policy, no numbers to call, no information at all. If this is the way you do business I want no part of it!! Send proof that you have canceled immediately so I can purchase other insurance!

Horrible to deal with and most claims are getting denied! The only thing they seem to be successful at is raising their monthly cost! Started at $95 in 2016 and am now at a $203 monthly fee! Do not choose Trupanion, your pet deserves better!

I just joined so there isn't any history yet.