Trupanion WILL raise your rates as your dog ages.

Out of 10

You will start out with a low "Guaranteed" premium. Once your dog starts to age the rates will go up about $10/year. Even if your dog has been healthy its whole life.

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No health problems
Claim Amount
Under $100

Mixed Breed

Age of Pet
Over 8 years

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Posted: 07/14/2014
By: Joe @Trupanion

Stephen, thanks for taking the time to leave us feedback. We're always striving to improve, and customer feedback is what allows us to do so.
Our premiums are based on the average cost of veterinary care looking at your pet's age at enrollment, breed, and gender, your geographic location, and how you set up your policy. As the average cost of care for these factors changes over time (up or down) we must adjust our premiums accordingly. Things like you filing claims or your pet aging will never impact your premium.

For example, I have a (now) three year old Great Dane who was enrolled as a puppy, and I live in the Seattle area. My premium has changed in the 3 and a half years since I enrolled him (Seattle has seen a huge increase in specialty clinics as well as increased availability of advanced veterinary technology in that time, both of which have an impact on the average cost of care), but if I got a quote today for a Great Dane puppy in my area with the same coverage the premium would be the same as what I'm paying for Walter today even though he's now three years old and I've filed MANY claims for him.