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Trupanion Reviews 

12,689
•
TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Looking at 2,835 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently mention that claim processing is remarkably fast and efficient, with many deeply appreciating the direct payment option available at veterinarians. People also consistently point out the incredibly helpful customer support, noting that representatives provide reassuring guidance during deeply stressful medical situations. Some reviewers were not happy with the significantly rising monthly premiums and the expensive costs accumulated over time. A few consumers also expressed frustration that certain routine checkups or specific long term treatments were not covered by their policy. Others noted that navigating unexpected expenses became challenging when deductibles applied strictly to individual conditions.

What people talk about most

Service

Customers consistently note positive experiences with service, highlighting fast emergency surgery approvals... See more

Claim

People report positive experiences with claim processing, frequently highlighting quick payouts, fast... See more

Payment

Clients share positive opinions on payment, noting that claims and reimbursements are processed very quickly... See more

Customer service

Consumers find customer service to be positive, noting that support agents are patient, kind, and efficient... See more

Price

Customers had ambiguous experiences with price, as some reviewers praised how much money was saved during... See more

Reviews shaping this summary

Rated 4 out of 5 stars

You promise that even when my puppy is a full grown, 15 year old dog she'll be a puppy to you. Her coverage will not decrease with age. I can't receive the form as proof of her being a SERVICE DOG,... See more

Company replied

Rated 5 out of 5 stars

We recently had to say goodbye to Dakota and were thankfull that the cost associated with her care was something we never had to consider. Throughout her 11 years with us we had to face som... See more

Company replied

Rated 5 out of 5 stars

Trupanion has taken away the financial worry of having to pay for my dog's injury or illness. It literally has saved my pets life as I would not be able to pay for his allergies or allergy induced ill... See more

Company replied

Rated 5 out of 5 stars

the upfront submission at the IVS clinic saved me from footing an extremely expensive emergency surgery. It was one less weight on my shoulders while worrying about Toby, and I was impressed with the... 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

(12,689)

2,718 reviews in the last 12 months

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Rated 5 out of 5 stars

It was a very sad and stressful…

It was a very sad and stressful situation that had us filing a claim. Shortly after we got home we had the settlement notification on our email defining what Trupanion would cover. That quick and efficient work was very much appreciated. Excellent service. Incredible response time. Thank you.

25 October 2026
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Reply from Trupanion

Thank you Sandra, for taking the time to share your experience with us here. We are incredibly sorry for the hard time you faced but we are grateful we could be there to support you through it. Please let us know if there is every anything you need. Our team is here to support you 24/7 at (855)210-8746.

With love,
The Trupanion Team

Rated 5 out of 5 stars

Appreciate your attentiveness and…Precise Educational Information Provided for Comparison of Medical Pet Insurance

Appreciate your attentiveness and helpful assistance in providing educational info needed to compare what your company offers for making determination for Slumbers' medical insurance. Also, it was a pleasure to chat with Veronica during her courtesy call to me.

19 October 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 Slumber's medical coverage, Bj! We strive to provide you with quality customer support as your peace of mind is our top priority! 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

Email Response Great!

Got a nice, long email response in response to a concern.

21 October 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, Cynthia! Our team is here to provide you with quality customer support as we want you to feel confident about your coverage at all times. 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

So glad i signed up for this insurance

So glad i signed up for this insurance! My vet submitted the bills and it was immediately approved. Thank you for the great service.

24 October 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, Sally! 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

Quick response time

21 October 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, Linda! 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

Wonderful Company and People

Have had Trupanion for years and they have always been wonderful! Caring and knowledgeable customer service representatives, ease of use for the online claim submission and prompt payment. I appreciate all they have done and continue to do for myself and my dog!

24 October 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, Susan! We strive to create a supportive and caring experience from fellow pet lovers such as ourselves, to ensure you 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 5 out of 5 stars

Feels like family …

Ease of establishing initial insurance was phenomenal. Customer service felt like family.

24 October 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! We appreciate your kind words. Our goal is to ensure you feel supported at all times! 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 vet submitted the claim and…

The vet submitted the claim and accepted my portion of the payment immediately. It was very easu and convenient.

24 October 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, Raymond! We aim to create a quick and efficient claims experience so your focus may remain on your pet. We hope they are feeling better soon! 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

Overall a great experiencSmooth process, just needs better vet educatione with…

Overall a great experience with Trupanion. The claims process was smooth, the team was easy to work with, and it's clear they've built a system that takes a lot of stress off pet owners when something goes wrong. I appreciate how straightforward they made it on my end.

My one suggestion: invest more in educating veterinary clinics on how Trupanion works. Not every vet office seems fully familiar with the direct-pay process and what's needed from them, which can slow things down at checkout. The better the vets understand the system, the more seamless it becomes for everyone, and the more clinics will be able to confidently recommend and support Trupanion. That's a big opportunity for their business.

Still, I'd recommend them. Solid coverage and a process that works.

24 October 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, Mitchell! We strive to create a seamless experience to ensure you can keep a peace mind. We greatly appreciate your feedback as we are always looking for ways to improve our processes and experiences. 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

It is easy to file and collect on a…

It is easy to file and collect on a claim

24 October 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, Alan! We strive to provide you with a seamless claims experience so your focus remains on the care of your pet! 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

Extremely easy to submit claims

Extremely easy to submit claims, reimbursement is excellent and claims paid quickly.

24 October 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, Jeannine! Our top priority is to provide you with a peace of mind and we strive to create a seamless claims experience to ensure that remains the case! 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

Easy to get started...

Easy to get started and was able to reach customer service to get my questions answered.

21 October 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, James! 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

Trupanion is the BEST Pet Insurance in…

Trupanion is the BEST Pet Insurance in my opinion, very grateful our dog is insured with Trupanion. Customer Service is excellent, Claims are processed quickly and monthly payment is very reasonable

22 October 2026
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Reply from Trupanion

Laura - your kind words mean the world to us! We are so grateful we can be here for you and your pup when it matters the most! 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

Emergency Vet visit

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 clinic to finish their work, I received a very reassuring, stress-reducing email from Trupanion showing me what was covered and how much they would pay. There was an immediate lift of the load on my shoulders. It really helped.
Finn and I thank you

23 October 2026
Unprompted review
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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 dog's medical coverage, Steve! We are sorry to hear you two faced a very stressful time, but we are grateful we could be there to support you through it. Our team is sending your 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
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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, Janie! 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

I highly recommend Trupanion as they…

I highly recommend Trupanion as they were there for us when our dog was extremely ill. Because we had Trupanion, we were able to get the care for our dog that kept her alive. She survived and is doing very well now, thankfully!

23 October 2026
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Reply from Trupanion

Wes- thank you for sharing your story with us here! It means the world to us that you chose Trupanion to stand by your pup! We are sending our best wishes for a smooth recovery your sweet girl's 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

VERY GOOD PET INSURANCE!

I have been with Trupanion for 8 years. I joined them when I got a sweet lab puppy that wound up being born with a portosystemic liver shunt. Unfortunately they didn’t cover anything pertaining to the shunt itself because his symptoms started prior to coverage being effective, but he developed so many secondary issues due to his liver not working. The vet’s office became our home away from home. We probably accrued over $40k in vet bills in Jack’s 8 years of life, but Trupanion helped immensely. His final vet visit was on July 18, 2026, it was over $12,000 and my portion was $1900 of that bill… so to say they’ve been a huge lifesaver is an understatement. They process claims very fast, offer direct pay to certain vets, and they refund quickly too.

6 January 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 Jack's medical coverage over the years, Vera! We are continuing to send our best wishes of health and happiness 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

Easy to file a claim.

Easy to file a claim.
Quick turnaround.

23 October 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, Whitman! 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.

Best wishes,
The Trupanion Team

Rated 5 out of 5 stars

Love trupanion

Love trupanion, if not for them I don't think we could afford to keep our baby girl healthy, very easy to get in touch with, and extra easy to contact and have answers answered, wouldn't change a thing

23 October 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 girl's medical coverage, Gail! Our goal is to provide you peace of mind when it comes to 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

Fast!

Quick decision and payout directly to my vet

22 October 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, Kerry! We aim to create a quick and efficient claims experience so you may 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

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