insurance rate

Out of 10

service was good and fast, no problems, but after one year the rate went almost 50 % up! and I dropped it! can't afford that kind of increaseand I was explained that it was "rear" level of increase at that level due to fact that it hiked at all companies

if you can afford large increase in insurance, I would recommend them

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insurance rate
Claim Amount
$500 - $1000

Mixed Breed

Age of Pet
1 - 8

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Posted: 09/07/2012
By: Joe @Trupanion

Hi Irine-
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, 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 offer 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 –