How is cat insurance pricing determined?
To find out the exact price for your cat, you can simply get a quote. However, upon retrieving your quote, you may be curious as to how we determined that specific price for your cat. The cost of cat insurance is dependent upon several factors unique to your cat, including:
Your cat's age
Whether your cat has been spayed/neutered*
Your local cost of veterinary care
Each of these elements are taken into consideration and are then matched to the average cat’s veterinary costs to determine your premium.
Pick your price with a deductible
After you view your quote, you can adjust your monthly premium by selecting a custom deductible, anywhere from $0 to $1000. This flexibility allows you to select a price that fits your budget. Plus, you can change your deductible without penalty simply by giving us a call.
What will cause my premium to change?
Premiums may be adjusted periodically over the life of your cat due to the average cost of pets similar to yours based on our claims experiences and inflation. You may see an increase, a decrease, or no change at all. You can learn more about our premium changes here.
Trupanion will never impose an automatic premium increase if your cat becomes sick or injured and you need to file a claim. We know that you have no control over whether your feline friend gets sick or injured, so we don't penalize policyholders with increased premiums.