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!
Greater Swiss Mountain Dog