When will my pet insurance premiums increase? - The Trupanion Blog
Underwritten by American Pet Insurance Company

When will my pet insurance premiums increase?

We’ve previously touched on the fact that with Trupanion, your premiums won’t increase when you submit a claim, but many pet owners ask us when else their dog insurance premiums may increase.

I’d be lying if I told you that premiums with Trupanion will never increase. However, they will not increase based on the age of your pet. Some pet insurance companies have rate factors in accordance with the pet’s age. So, each year when you renew your policy, you will likely see premium increases.

With Trupanion, premiums may periodically change to reflect the cost of veterinary care in your region, but rates will never be increased due to the aging of your pet or for filing claims. As you might imagine, during the 10-15 years that your pet is alive, veterinary medicine grows quite rapidly. While this is great news to help extend the lives of our pets, it naturally means an increase in cost. To ensure that Trupanion can keep paying out on the latest veterinary technology, we must periodically adjust our policyholder premiums. This may happen every 1 and a half to 2 years during the life of your pet.


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