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Trupanion Reviews 

12,545
•
TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Evaluating 2,867 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the fast claim processing, seamless direct payments to veterinarians, and prompt, reliable assistance that make stressful medical situations much easier to handle. Many people also emphasize the exceptional support and genuine care they receive, giving them immense peace of mind when their beloved pets urgently need help. However, some customers also noted that steep yearly premium increases can become quite expensive and challenging to manage over time. Some reviewers experienced frustrating policy changes regarding ongoing treatments, along with unexpected claim denials concerning prior health issues and pre-existing conditions.

What people talk about most

Claim

Consumers find claim to be positive, highlighting that the process is fast, smooth, and very easy to navigate... See more

Payment

People report positive experiences with payment, highlighting fast reimbursements and convenient direct... See more

Customer service

Users describe positive interactions with customer service, noting that staff members are very easy to get in... See more

Price

Customers had ambiguous experiences with price, as some reviewers appreciated manageable initial costs and... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Trupanion has been with me since I brought Henry home five years ago as a puppy, through figuring out seasonal allergies to normal puppyhood mishaps, giving me peace of mind along the way. This year,... See more

Company replied

Rated 4 out of 5 stars

Trupanion has been great for my dog for all 8 years of her life so far. Having been diagnosed with a chronic condition at a young age, it has been amazing with covering everything they said they would... See more

Company replied

Rated 5 out of 5 stars

Help for our beloved Sheltie Our Sheltie Fiona passed at the age of 9 two days ago. She was in good health until a leg injury four years ago led to two surgeries, a persistent infection, an amputatio... See more

Company replied

Rated 5 out of 5 stars

I recently had to take my dog to emergency vet. We feared he had an intestinal blockage which would require surgery. The clinic did up a pre-approval request to Trupanion. while waiting for the clini... See more

Company replied


Company details

  1. Pet Insurance Company

Written by the company

At Trupanion, we understand that being a pet parent is a 24/7 job. So, we’re here to help with quality pet insurance coverage and award-winning customer service available 24/7/365. We’ve been covering dogs and cats for over 25 years, prioritizing their health with no payout limits, all breeds covered, and VetDirect PayTM (that’s the ability to pay veterinarians directly at time of checkout). Enjoying the protection Trupanion has provided your pet? Help other dog and cat parents by leaving us a review. Not a member of our pack yet? Learn more about how Trupanion coverage works, or get a free quote for your pet today!

Written by the company


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

13K reviews

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Asks customers to review

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Replied to 99% of negative reviews

Typically replies within 24 hours

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4.4

All reviews

(12,545)

2,881 reviews in the last 12 months

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Rated 5 out of 5 stars

Prompt

Prompt, efficient and courteous staff!

October 15, 2026
Trupanion logo

Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Wendy! We are here for you 24/7 and you can reach us anytime at (855)210-8746

Best wishes,
The Trupanion Team

Rated 5 out of 5 stars

Always helpful with questions and fast…

Always helpful with questions and fast with payments

October 16, 2026
Trupanion logo

Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Onamay! We strive to review claims as quickly and efficiently as possible to ensure your focus may remain on your pet! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Rapid reimbursement is awesome

Rapid reimbursement is awesome. Friendly staffers is a blessing and rare to see. Thank you.

October 16, 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Thresa! We offer quality customer support as your peace of mind is important to us! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Pre-approval, Final Claim, and Payment

The response to both pre-approval and final approval were very quick and easy when our vet submitted the claim. Loved the ease of the submission and payment.

October 16, 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Kimberly! We strive to provide a quick answer for your claim submissions so you can keep a peace of mind. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 4 out of 5 stars

Great plan and service but getting too expensive

Trupanion has been great for my dog for all 8 years of her life so far. Having been diagnosed with a chronic condition at a young age, it has been amazing with covering everything they said they would. Payments and reimbursements are easy and fast. But my premium increases significantly every year, well beyond inflation. It is getting to the point where I may no longer be able to afford to keep the plan

October 16, 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pup's medical coverage, Kathleen! We understand a change to your cost can be difficult. Please know it is not something we take lightly. Your premiums are directly tied to the fluctuating cost of veterinary care and breed population in your area. If vet costs rise, we have to make the difficult but necessary decision to ensure the price of your policy remains balanced with this change, in order to provide lifetime coverage. We want you to feel confident about your coverage and are here for you should you have questions or concerns regarding your pricing. Please call us directly at (855)210-8746 as we are here 24/7 to support you.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

This was our first experience with…

This was our first experience with Trupanion. We were so worried about our cat. Trupanion was very kind and helpful. We were do relieved to have pet insurance.

October 16, 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your cat's medical coverage, Debra! We are sorry to hear you two faced a stressful time but we are so grateful we could be there for you both! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Very quick turn around for…

Very quick turn around for reimbursement of claims. Easy to reach a person (not a machine) on the phone to answer questions.

October 16, 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Lisetta! We strive to create a seamless process for you so you can keep a peace of mind. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Best wishes,
The Trupanion Team

Rated 5 out of 5 stars

Happy in PA

Hello, I purchased insurance for my dog moose when he was a year old. He is six now. Over the years I questioned whether I needed it. I needed it. Moose just had a 7,000 dollar procedure. I paid about 700 dollars for. It was pre-authorized and paid almost instantly at my vet. I couldn’t be happier and knowing that if my dog ever needs anything again I can trust Trupanion means a lot. They even followed up afterward.

October 16, 2026
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Reply from Trupanion

Michael - we are so glad we could be here for you and Moose when it mattered most. Thank you for taking the time to share your story with us here! Our team is sending our best wishes for a smooth recovery his way. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Great service yet again!

This company has exceeded my expectation yet again. Answered my questions, such a fast turnaround while I slept.

October 15, 2026
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Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Genelle! We are here for you 24/7 and you can reach us anytime at (855)210-8746

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Great Pet Insurance

Trupanion helped considerably with my veterinarian bills making it easier to care for my pet.

October 15, 2026
Trupanion logo

Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Veronna! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Nothing but praise for Trupanion

Our Yorkie Gidget was a patient for 7 days in an Emergency Veterinary Clinic with severe pancreatitis, very critical situation. TRUPANION came through like true rock stars every step of the way. I have nothing but praise for them.

October 14, 2026
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Reply from Trupanion

Thomas - thank you for sharing your story with us here and trusting us with Gidget's coverage! We are sorry to hear you endured a very hard time but we are grateful we could be there for you both. Our team is sending your sweet pup our best wishes for a smooth recovery! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars
Trupanion logo

Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Edward! We are here for you 24/7 and you can reach us anytime at (855)210-8746

Best wishes,
The Trupanion Team

Rated 5 out of 5 stars

Excellent!

Trupanion makes it easy to become reimbursed for my dog's medical care. That is very important.

October 15, 2026
Trupanion logo

Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pup's medical coverage, Babs! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

Thank You Trupanion!

We recently needed to take our one and a half year old Golden Doodle to the emergency. Trupanion approved the payment literally within minutes. We are so thankful to know that Trupanian is the real deal. We got the insurance when Sunny was only 8 weeks old not thinking we would need it for years...but you never know.

October 15, 2026
Trupanion logo

Reply from Trupanion

Thank you, Jennifer, for taking the time to share your kind words with us here! We strive to review claims as quickly as possible to ensure your focus remains on Sunny. Our team is sending our best wishes for a smooth recovery your pup's way! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

With love,
The Trupanion Team

Rated 5 out of 5 stars

Our girl needed 6 baby teeth pulled!

Our 10 month old schnoodle recently had to have 6 baby teeth pulled. I am so glad our breeder suggested Trupanion! We were thrilled to learn Trupanion would cover the majority of the cost. Our vet reached out to them directly making the entire process quick and painless! Thank you Trupanion!

October 15, 2026
Trupanion logo

Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pup's medical coverage! Our team is sending your baby our best wishes for a smooth recovery. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

You guys are the best

You guys are the best ! I will never have any other insurance. Both times my dogs have gotten sick I have felt supported and taken care of during a hard time.

October 15, 2026
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Reply from Trupanion

Katelyn - thank you for sharing your kind words with us here! We are so grateful you chose Trupanion to protect your pack! Our team sends them all of our love. Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Best wishes,
The Trupanion Team

Rated 5 out of 5 stars

Great service and easy to work with!!

Easy claim submission. Transparency. And very responsive. Great service!!

October 15, 2026
Trupanion logo

Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Ron! We strive to provide a seamless claims experience so your focus may remain on your pet! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 5 out of 5 stars

The claim was submitted by the vet and…

The claim was submitted by the vet and approved five minutes later.

October 14, 2026
Trupanion logo

Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage, Tereza! We are here for you 24/7 and you can reach us anytime at (855)210-8746

Best wishes,
The Trupanion Team

Rated 5 out of 5 stars

Covers your fur baby from pup

Covers your fur baby from pup, or kitten to senior companion without raising your rate. This is something you hope to never need, but a true blessing if your fur baby ever needs it ❤️ ✨️ Peace of Mind ✨️ You'll never have to make a decision between money & life changing care for your pets.

October 16, 2026
Unprompted review
Trupanion logo

Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with your pet's medical coverage! We believe pet's should have coverage for their lifetime and we are so grateful you chose us to provide that for your pack! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

Rated 4 out of 5 stars

Peace of mind for Henry

Trupanion has been with me since I brought Henry home five years ago as a puppy, through figuring out seasonal allergies to normal puppyhood mishaps, giving me peace of mind along the way. This year, facing TPLO surgery for a ruptured CCL, I never had to question. I was preapproved within minutes of submitting the quote. I was then able to focus on what mattered: his recovery.

September 22, 2026
Unprompted review
Trupanion logo

Reply from Trupanion

Thank you for taking the time to share your experience with us here and trusting us with Henry's medical coverage, Christina! Our goal is to provide you a peace of mind when it comes to the unexpected with being a pet owner. Our team is sending our best wishes of health and happiness to your sweet boy! Should you need us now, or in the future, you can reach us anytime at (855)210-8746.

Sincerely,
The Trupanion Team

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