I often hear that people are afraid to get pet insurance and submit the “small, mundane claimes” because they fear that any claim will increase their premiums. Unlike most car insurance companies in the US, many pet insurance companies do not factor in the number of claims or the dollar amount paid out when determining dog insurance premiums.
If your pets are insured with Trupanion, well, I have good news for you: your premiums will never increase based on the number of claims you submit!
Our general mantra is that you can’t help that your dog gets sick or injured, so you shouldn’t be penalized if they do.
So, if you’ve been hanging on to that pesky $20 claim here, and $30 claim there, go ahead and submit!