Efficient, Pays, but DOES raise the price

Out of 10

I'm going to start with the bad, as I strongly believe their advertising is misleading: The big thing that brought me to Vet Insurance was "We guarantee our policyholders will never be penalized for the number of claims submitted or a pet’s aging." I was referred to them through my dog walker who had a great rate. ... well what do you know ... one year down the road my policy price goes up. Due to added benefits apparently (which I dont want or need and didnt ask for). From speaking around, it's not just me - my dog walker ... some folks at the vet on the same policy ... everyone got raised. My dog walker's raise was more than mine ... dog same age, same breed, but now we're almost paying the same. Looks like they were bringing their pricing in line. The Good: Pays extremely promptly. Good communication. Good coverage - you won't find better. Conclusion: If you need vet insurance, I would highly recommend these guys ... BUT - DO NOT BE FOOLED into their completely misleading statement about not raising prices due to the dog's age ... they'll just find other ways to increase your premiums.

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Posted: 08/21/2009

Premiums are determined by the local costs of veterinary medicine, the breed of your pet, and its age at the time of enrollment (which allows each pet owner to have the best value for their specific pet). We assure you that your premiums won’t increase nor will your coverage be restricted due to your pet aging. Your rates will change periodically only as inflation affects the cost of veterinary care. In addition, you are also never penalized with higher rates for submitting claims. We recently improved Trupanion/Vetinsurance coverage to include $20,000 of lifetime coverage to be used at any time, with no per-incident or annual caps, which included a slight increase in all monthly premiums.

Posted: 02/22/2010

These guys at Trupanion answer like a robot! Canned answers! They don't directly answer the question! Why would the "local costs of veterinary medicine" go UP in 2009 when it was a DEFLATIONARY environment due to the bad economy? Prices stay flat or go down!