I had previously been insured with Metromile who was unfortunately bought out by Lemonade. I had such a positive experience with Metromile. I live in the city and mostly bus around. My insurance has increased by 75%. And while they say they take into account your driving record, they do NOT. When I last questioned the huge increase they sent me a message saying that rate increases were due to many factors including driving record. When I responded that my driving record was exemplary they responded with oh, this was an across the board increase. When I saw an ad on television touting their taking driving record into account I had to write this review. Don't be duped. This company is predatory like so many other insurers.

With the recent rate increase I decided not to continue with the insurance

The windshield claim process is messy. The denial does not make sense.

We had a $500 deductible with my dog’s insurance, and every time she needed care, we had to pay out of pocket. One night, we had an emergency and the $300 visit wasn’t covered because emergencies aren’t covered. On top of that, they raised my premium from $115 to $160 in just one year without notifying me. They’re such a rip-off! If you need pet insurance, go with Costco Pet Insurance – they cover all visits. I will never recommend Trupanion to anyone.

We have our Shelty insured for over a year. Aside from not paying for exams we were denied significant expenses tracking down a shoulder problem. They denied it as pre-existing, but that is not so. Perhaps, they mean pre-existing to making the claim. I think these folks are terrible, go anywhere else.

You have become increasing more difficult to deal with. Not linking claims appropriately & trying not to cover things you should be. Making me waste time to call & sit on hold then to argue with someone. I will NOT be getting Trupanion again!!! We will be choosing another company for sure when we expand our fur family. Trupanion sucks.

I didn’t realize when I paid for the insurance that I would not know the effective date for weeks. I feel this was very misleading during the purchase process (or at least not made very clear) and makes me feel like I got scammed.

While I have had some good claims go through, the most recent one was handled extremely poorly. They will dig through your pet's medical history until they find something they can latch on to and call a preexisting condition. This time it was - VOMITING. Vomiting as a pre-existing condition? That is a symptom of literally everything. When you call and ask for explanations, they can barely speak English let alone explain the reasons why your claim is denied. They will not look at the claim again, just tell you to dispute the claim. I will try but I'm sure it will amount to nothing. As someone who works in customer service, this experience has been less than stellar. A company with ties to the ASPCA that treats its customers and pets this way is sickening. Now I'm scared to leave because my dogs are seniors and need coverage. Very disappointed. 0 stars.

I requested to cancel my policy Oct 2024. They responded to my request but did not honor it. I continued be charged a monthly premium until I noticed this on my credit card in May 2025. I reached out and complained. They finally closed the policy but refused to reimburse me for Dec-May even though I sent them the original email showing my request to cancel in December.

Multiple issues with Figo. My claim for one of my dogs was denied as Figo claimed it was an existing condition although my dog had never had a blood blister/scab on the middle of his back. A cyst was found under the scab. No where in his medical history did he have a blood blister/scab on the middle of his back with cyst.