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Find a Location

Trupanion has 1 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

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    • Trupanion

      6100 4th Ave S Ste 200 Seattle, WA 98108-3234

      BBB Accredited Business

    Business ProfileforTrupanion

    Insurance Companies
    BBB accredited business

    Current Alerts For This Business

    Government Action: BBB reports on known government actions involving business’ marketplace conduct::
    Docket No. CO21-03-027 Commonwealth of Pennsylvania Insurance Commissioner v Trupanion Managers USA, Inc.

    The following describes a government action that has been resolved by either a settlement or a decision by a court or administrative agency. If the matter is being appealed, it will be noted below.

    On April 26, 2021, the Commonwealth of Pennsylvania Insurance Commissioner entered into a Consent Order with Trupanion Managers USA, Inc.   

    The order states it is prohibited for a licensee or an applicant to violate the insurance laws or regulations of the Commonwealth or a subpoena or order of the commissioner or of another state’s insurance commissioner.  Respondent entered into Orders with the States of Washington, Louisiana, New York, Vermont, California.

    Second, the Order states it is prohibited for a licensee or applicant from knowingly accepting insurance business which was sold, solicited, or negotiated by a person who is not licensed as an insurance producer.  Respondent reported to the Department that between January 1, 2010, through December 31, 2016, 1,989 insurance contracts were sold, solicited or negotiated in Pennsylvania by unlicensed employees.

    Third, the Order states it prohibits a licensee or an applicant from demonstrating a lack of general fitness, competence, or reliability sufficient to satisfy the Department that the licensee is worthy of licensure.  Respondent’s activities described in the Orders with the States of Washington, Louisiana, New York, Vermont, California violate these laws.

    Fourth, the Order requires a licensee to report any administrative action taken in another jurisdiction or by another governmental agency within 30 days of the final disposition, to include a copy of the order, consent order or other relevant legal documents. Respondent did not timely report the actions with the State of Louisiana or New York.

    Respondent shall pay a civil penalty of $150,000.000.

    For more information, please contact the Commonwealth of Pennsylvania Insurance Department at  Pennsylvania Insurance Department Home.

    Additional business information

    Government Actions:
    Government Action: BBB reports on known government actions involving business’ marketplace conduct:
    Docket No. 21-032-I State of Vermont Department of Financial Regulation v Trupanion Managers USA, Inc. and American Pet Insurance Company

    The following describes a government action that has been resolved by either a settlement or a decision by a court or administrative agency. If the matter is being appealed, it will be noted below.

    On August 25, 2021, the State of Vermont Department of Financial Regulation entered into a Stipulation and Consent Order with Trupanion Managers USA, Inc. and American Pet Insurance Company.   The Order asserts Trupanion Managers USA, Inc. and American Pet Insurance Company (collectively, the “Respondents”) have violated the terms of the Stipulation and Consent Order dated November 20, 2019.  The parties agreed to enter into this Stipulation and Consent order to resolve the violations without further administrative proceedings or litigation.

    The Department and Respondents entered into the 2019 Order on November 20, 2019, to settle issues relating to Respondents’ pet insurance producing and claims administration practices in Vermont from the years 2015-2018.  As part of the 2019 Order, Respondents agreed to take a number of corrective actions including: (1) Providing the Department a certification, on or before December 31, 2019, that all Vermont pet insurance claims are processed by duly licensed insurance adjusters; and (2) providing the Department, on or before January 31. 2020, with a list of all adjusters who have been duly licensed in Vermont. Respondents failed to provide the Department with the certification that claims are processed only by licensed adjusters and the list of such adjusters within the timeframes set forth in the 2019 Order.

    Respondent was fined an administrative penalty of $5,000. 

    For more information, please contact the State of Vermont Department of Financial Regulation at  802-828-3301 or  https://dfr.vermont.gov/.

    See all additional business information

    At-a-glance

    Customer Reviews

    1.12/5stars

    Average of 138 Customer Reviews

    Customer Complaints

    169 complaints closed in last 3 years

    98 complaints closed in last 12 months

    BBB Rating & Accreditation

    Accredited Since: 7/10/2008

    Years in Business: 24

    Customer Reviews are not used in the calculation of BBB Rating

    Reasons for BBB Rating

    Overview

    Trupanion offers pet medical insurance services.

    Products & Services

    Pet Insurance

    Business Details

    Location of This Business
    6100 4th Ave S Ste 200, Seattle, WA 98108-3234
    BBB File Opened:
    7/10/2008
    Years in Business:
    24
    Business Started:
    2/1/2000
    Business Incorporated:
    4/30/2007
    Accredited Since:
    7/10/2008
    Licensing Information:
    This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
    Type of Entity:
    Corporation
    Alternate Business Name
    • Trupanion Managers USA Inc
    • Vetinsurance International, Inc
    Business Management
    • Mr. Darryl Rawlings, CEO
    • Ms. Ronaye Verigin, Vice President of Customer Service
    • Ms. Kesa Hurley, Social Media Specialist
    • Mr. Louis Chames, Secretary
    Contact Information

    Principal

    • Mr. Darryl Rawlings, CEO
    • Ms. Kesa Hurley, Social Media Specialist

    Customer Contact

    • Ms. Ronaye Verigin, Vice President of Customer Service
    • Ms. Kesa Hurley, Social Media Specialist
    Additional Contact Information

    Fax Numbers

    • (866) 405-4536
      Primary Fax

    Phone Numbers

    Customer Complaints

    169 Customer Complaints

    Need to file a complaint? BBB is here to help. We'll guide you through the process. How BBB Processes Complaints and Reviews

    File a Complaint

    Most Recent Customer Complaint

    04/09/2024

    Complaint Type:
    Order Issues
    Status:
    Resolved
    I have paid Trupanion premiums for my dog for 7 years. He suddenly became ill with breaking difficulty. I have filed claims to find the diagnosis. All claims state breathing difficulties. All the claims come back charging me the 200 dollar deductible. The claims department does not call me even though I have asked several times.If this is the way they conduct business, I want all or three quarters of what I have paid Trupanion back so I can then get treatment for my dog. I am very serious in this request.
    Read More

    Customer Reviews

    138 Customer Reviews

    What do you think? Share your review.

    How BBB Processes Complaints and Reviews

    Start a Review

    Most Recent Customer Review

    Susan G

    1 star

    04/17/2024

    I have had Trupanion for one of my cats since 2016, the other since July 2017. I was upfront with Trupanion when I added the 2nd cat following a bacterial UTI. The *** assured me that after a 1 year waiting period, any urinary issues would be covered per the policy. Fast forward to February 2023 when the 2nd cat developed urinary issues which were denied (this had the vet scratching his head as the issue in 2017 was completely different from that in 2023 and it had been 5 1/2 years since there was any urinary incident). I spent over $3,500 in 2023 on this cat's medical care (including surgery for removing bladder stone in November 2023) while appealing the denial from March 2023. As far as I can tell, the appeal is still in process. I paid premiums on both cats in good faith because in 2017 the *** said that urinary issues would be covered in full after a 1 year waiting period on the second cat. I have continued to pay premiums on that cat in good faith through the appeal process. I started researching how to change pet insurance companies with a pre-existing condition (both cats have urinary issues). It soon became apparent that I am not alone. Something at Trupanion changed between 2017 and 2023. It appears many other pet owners have shared my experience -- pre-existing condition will be covered after 1 year waiting period (in 2017) and then denied in 2023. I now have a complete loss of confidence in Trupanion. I filed a claim with Trupanion in December 2022 for dental extraction for the 2nd cat. That claim was denied by Trupanion for a pre-existing condition due to gingivitis (I had his teeth cleaned immediately upon the vet telling me he had gingivitis and tartar build up years before and dental exams had been excellent since then). I complained one time on social media and Trupanion immediately reversed the denial. There are many other pet insurance companies out there -- many top rated ones offer discounts. Choose one of them.

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