Would not Recommend Trupanion

Out of 10

I have had Trupanion for about a year not had to put in a claim and my boxer female just turned 3 yrs old. I got a notice in the mail that my premium will be going up 70% !! I was floored. I called them to ask why and they said due to Breed related factors and the area I was in they needed to adjust the price, and offered to raise my deductible to keep the same plan. BS!! In my opinion if you have to raise your rates 70% in one year because you mis calculated the cost. Someone is not doing their job or the company is on shaky grounds. BTW this is North Texas not Bedford NY Prices are not that high.

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Claim Amount
Under $100


Age of Pet
1 - 8

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Posted: 07/08/2011

Your feedback is welcomed and you are certainly justified in feeling the way that you do. 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 mixed-breed 3-year-old dog 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 many health issues. You would see the same change to your premium regardless of whether or not you filed claims. 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 over 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. We do not arbitrarily inflate premiums. There is a process in which we must provide sufficient data to insurance departments to be approved that the updated premiums are fairly priced based on the cost of that pet. Inflation occurs and veterinary spending increases as technology advances, so we cannot promise a fixed premium for life. Because we now have a more solid book of business and claims history, we are able to provide sufficient information to each location’s department of insurance to keep premiums up to date regularly.
I hope this makes sense and encourage you to please give us a call if you have any other concerns as we’d be happy to discuss.