Bait and Switch!!!

Out of 10

Below is the email I received about a premium increase for my dog who is about 1.5 years old and has been insured for just over a year now. They are increasing my monthly premium from $39.68 to $68.10 which is nearly double!! This is unbelievable!! I am now realizing how many other people they've done this too over at least the last couple of years using the same terminology to create a loophole from the original contract. Beware of Trupanion!! I wish I paid more attention to the negative reviews when first researching.



Re: 1/9/2012 Premium Adjustment

Dear Cecil Xxxxxxx,

Thank you for being part of the Trupanion family and for being a responsible pet owner. We strongly believe in being a partner to help provide the best medical care for your pet. We cover diagnostic tests, surgeries, treatments and medications with no limits — no matter where your pet goes for care. As incredible advances in veterinary medicine continue, the cost of veterinary services also increases.

Trupanion is different from other insurance companies. We do not use a complex benefits schedule or fixed payout limits when paying claims. Instead, we price our insurance to cover 90% of actual injury or illness costs — the best in the industry. Because of our outstanding coverage and the increase in medical costs, on occasion we must adjust our rates. As a result, a rate adjustment is planned for this year.

Your new monthly premium and the

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Response to premium increase
Claim Amount
$100 - $500


Age of Pet
1 - 8

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Posted: 12/06/2011

I apologize for the recent shock with your premium. Firstly, we do not penalize pet owners for filing claims which means you would see the same change to your premium whether you had filed many claims or none at all. We haven't updated premiums in some areas since we began selling policies there (up to 4 years ago in some states). This year, we reached a point at which we had enough data to bring premiums up-to-date with what they should actually cost. Because some premiums were essentially 4 years out of date, this is why you may have seen such a significant change.In the future, adjustments will occur in a more timely manner to reflect the actual cost of pet care for your individual pet (based on the averages of its breed, age at enrollment, geographical location, and deductible chosen). If the average pet like yours is receiving increased health care in a given time period, then you would see a slight increase, but if that pet on average has been generally healthy and making fewer trips to the vet then you would see a slight decrease. Premiums are directly based around the average pet like yours based on the factors mentioned above so when you see an increase in your premium, that is a sign that the average pet like yours is making more trips to the veterinarian.
I encourage you to learn more about our pricing here:

Posted: 12/09/2011

The same thing just happened to me! My dog is 1.5 years old also. I had two claims one for eye infection $68.00 the other for ear infection, $111.00. I have a $100.00 deductible per condition. The eyes weren't covered and the ears were only covered for $10.00. Then I got an e-mail that they were raising my premium from $36.96 to $47.00 a month! I am pissed!

Posted: 12/16/2011

Hope they don't do that to me. Increasing my premium, by doubling it.

Posted: 12/18/2011

Same thing happen to me.... +40% increase....minimal claims.