Not happy with Trupanion!!!

Out of 10

I researched pet insurance companies a year ago. I had narrowed it down to 2 pet insurance companies I liked. Trupanion and PetPlan. At the time, I chose Trupanion b/c everyone said there were no surprise insurance hikes from year to year. The others could go up depending on the pet's age, etc. I have now had Trupanion pet insurance for 1-year and I just found out my insurance rate is jumping next year by 39% and 41% for each dog for 2012 (I have 1 and 2-yr old swissy's). WTF? My 1-yr old swissy had torn her Superficial Digital Flexor Tendon a month ago...and the company "says" it is not b/c of my claim. (Surgery alone cost $1750). They say vet bills, in general, has gone up in our area over the last year. Weird. I am still paying the same prices at my vet this year as I did a year ago (same office fee, same exam fee, etc). I am extremely unhappy about this. The only way to keep my monthly payment the same is to change my deductible from $400 to $1000 per year. Might as well not pay for pet insurance and just save that monthly payment in an account. I am trying to switch to PetPlan, but now none of my dog's pre-exsisting conditions will not be covered. Total Crap!

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tendon tear
Claim Amount
Over $1000

Greater Swiss Mountain Dog

Age of Pet
1 - 8

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Posted: 08/02/2012

Yes, this is Trupanions standard little "anniversary present" for new customers. It's the old "offer a good price, then when you have them, jack the price WAY up". They've been doing this for year.

Posted: 04/02/2012

Hi Tracy,While it's true that veterinary costs have remained fairly constant, these increases reflect the increase in care being delivered and claims being paid for the average pet of your situation (based on breed, age at enrollment, chosen deductible, and geographical location).
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: or by giving us a call.