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 at enrollment
Where your cat lives
Whether your cat has been spayed/neutered*
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 viewing your quote, you can then adjust your monthly premium by selecting a custom deductible, whether it's no deductible, or anywhere from $50 to $1000. This flexibility allows you to select a price that fits your budget. Plus, if you ever need to, you can change your deductible without penalty simply by giving us a call.
What will cause my premium to increase?
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.
What will not affect premiums?
Trupanion will never increase premiums based on the following reasons:
We know that aging is a natural process and that you have no control whether your feline friend gets sick or injured which is why we do not penalize policyholders with increased premiums.
* Terms and conditions apply. See our policy for details. Residents of WA or CA see our policy here. Residents of all other states, Puerto Rico, and Canada, see our policy here.