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Such an easy and wonderful experience. It's stressful dealing with a sick dog, but you guys softened the blow. Thank you.

Will give you a good review about an 8!

We enrolled our dog in what was then VPI when our now 8 1/2 year old dog was just about eight weeks old. We had wellness and major medical coverage for her first year, and then switched to just the major medical coverage because it was more economical. Our dog has always been healthy and our claims were minimal (a couple of porcupine quills, an ear infection and other minor medical events). Because of this, we thought the coverage was good and fair. After our deductible we were reimbursed in the neighborhood of 80 percent. For the last four years, our premiums went up quite a bit, but we stayed loyal to Nationwide--thinking we were covered in the event that there was a medical crisis. Well, here we are in the midst of a medical crisis. Our dog was diagnosed with cancer about a month ago, and as it turns out, Nationwide has not been on our side. Their major medical coverage is a benefit schedule (unless you are willing to pay for their pricy Whole Pet Wellness plan, though even that has a lot of exclusions). And the benefit schedule is both confusing and completely out of touch with the reality of what pet care costs for a major medical event. To be truly informed, you would have to translate the medical-ese of the benefit schedule and then research the cost for a whole host of medical issues. And then read all of the fine, fine print of medical exclusions (including certain kinds of cancers). The good news for us is that our dog's cancer was not included in the exclusion list. The bad news is that the "coverage" being provided amounts to about 30 percent of the costs we have incurred for the diagnosis and treatment. Take, for example, Nationwide's allowance for diagnostic testing: It is $1600 for the policy term (not annual). To diagnose and treat our dog required two CT scans. Just one CT scan costs nearly that. (Note that the annual allowance for the CT scan is less than that.) If you needed an ultrasound and a CT scan to diagnose a condition you would have used up your entire allowance for diagnostic testing for the pet's life. I have appealed the claims they have denied because we have used up our paltry allowance for her diagnosis, but do not expect any change. Subsequently, we have cancelled our policy for our younger dog and chosen a different insurer that has a policy that is explained in much clearer terms and offers far more comprehensive coverage for the same price. Unfortunately, we will have to stay with Nationwide for the dog who is sick.

I am so grateful for the coverage you provided for my dog's recent emergency back surgery. He required immediate surgical intervention to prevent paralysis and perhaps worse. The anguish of having a beloved family member face a potentially life-threatening illness is compounded to an almost unendurable degree when one cannot afford the medical help required. Trupanion providing 90% coverage of my dog's medical needs was a tremendous blessing, which enabled me to provide him with the best medical care available and prevented the huge burden of debt I have incurred with other precious pets for whom I did not have insurance. A sincere thank you to you, Trupanion, for providing so much coverage for this emergency. You were a true Godsend to both my dog and to me!

Staff are very helpful when you call, and the customer service on the phone is very good. However, when my dog got an ear infection I had to appeal every claim that I put in as the system makes it very difficult to claim (in my experience) and I've had to get my vet involved in order to get their denial of my claim overturned. The appeals system is not quick! It took months to be processed.

Fantastic company, great service. Best pet insurance out there. We highly recommend Trupanion.

We have had a great experience using Trupanion

They have been very easy to work with.

Pleasant and helpful

Extremely rapid response as well as payment. I strongly suggest dog owners start with insurance when they get puppies. It's great to feel protected from enormous vet bills!