Watch out for Low "Come On" Premium

Out of 10

I never had pet insurance before and bought a policy for my current Newfie when she was six months old. Now, one year later, I have been advised that my premium will be increased by 62% per month. Obviously, I think this is outrageous. Be careful about the low 'come on' premiums. Apparently, they are just that.

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Eye problem

Claim Amount
$500 - $1000


Age of Pet
Under a year

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Posted: 03/12/2012

"We are bringing our premiums up to date" is a nice euphemism for "we'd like to shake all the coins out of your pockets, and we think you're a big enough sucker to go for it".

Posted: 02/08/2012

Hi Karen,We apologize for the shock with your recent premium adjustment. To provide a little more information, we are currently in the process of bringing premiums up to date as they have not been updated in some areas since we began selling policies there nearly 4 years ago.
Now, 4 years later, we have enrolled lots of pets and paid out many claims in the state - enough to provide substantial evidence for premium adjustments to the Department of Insurance. Unfortunately the collecting of this data coupled with the wait for the DOI's approval on the new premiums as not being inadequate, excessive, nor unfairly discriminatory, meant a large time gap which put our old premiums out of date.
I apologize for the way in which this occurred as it certainly was not ideal, and in the future, we plan to make adjustments in a more timely and predictable manner.
I encourage you to learn more about our pricing here: or by giving us a call.