Hugh rate increase

Out of 10

My greyhound had an injury to her right front leg which required x-rays and medication. All claims were paid in a timely manner and I was pleased with Trupanion until I received notice that my premiums would increase by 62%. I can lower the premium by having a dedutible which would save me $10 a month and each separate incident would have a $50 deductible for each incident. The office visit plus the deductible means a cost of $100 per incident per visit.

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leg injury
Claim Amount
$100 - $500


Age of Pet
1 - 8

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Posted: 09/07/2012

Hi Lois! Firstly, I noticed we've received more claims for Kailey recently. I hope she gets feeling better quickly.
I wanted to explain a little bit more about this premium adjustment. Our premiums are priced based on the average pet of your situation, taking into account four factors: breed, age at enrollment, chosen deductible, and geographical location. For example, my dog’s premium is based on the average cost of a Great Dane enrolled as a puppy in Seattle with $0 deductible. When you see an increase in your premium, it is a reflection that the average pet like yours is experiencing an increase in the cost of their vet care. This change in the cost of care could be contributed to things like more advanced technology being used (the MRI Kailey recently had is a good example of that), emergency and specialist clinics being more widely used, people being willing to spend more at the vet, or pets experiencing more health problems.

Premium adjustments are never tied to your individual claims experience, but to the broad experience of pets like yours. By our values, we do not punish a pet owner with higher rates just because they had an unlucky pet and filed lots of claims – this is not something for which the pet owner can plan. We are the only provider to over 90% actual coverage with no payout limits. This option has greatly benefited many pet owners and in order to keep offering this type of service, we must keep in line with the average cost of each pet by adjusting premiums accordingly. Our CEO, Darryl Rawlings, does a good job explaining pricing in this video –

Posted: 10/03/2012

So, your saying that if I buy insurance for my pet to cover the high cost of modern medicine, r ates will go up for everyone. Why not just go back to the way it was and if you cant afford to have your pet treated have them put down. 62 % increase is ludicrous. All you are doing is,preying on people that love their pets