How is dog insurance pricing determined?
To determine the price of your individual dog, you can simply get a quote. You may be wondering how we came up with this price for your dog. Dog insurance costs vary based on several factors specific to your dog, including:
Your dog's age at enrollment
Where your dog lives
Whether your dog has been spayed/neutered*
We consider each of these elements and then match them to the average dog’s veterinary costs to determine your dog's individual premium.
Trupanion lets you set your price by adjusting your deductible
Once you get a quote, you can choose your dog's monthly premium by selecting a deductible from $50 to $1,000 or no deductible at all. This gives you the flexibility to set a price that fits your budget. You might consider a low deductible for a puppy in its "getting into mischief" phase, and a high deductible for an adult dog whose habits are generally predictable. Plus, you can change your deductible at any time without penalty simply by giving us a call.
What will cause my premium to increase?
Over the life of your dog, you may see periodic adjustments to your dog's premium, which may be an increase, a decrease, or no change at all. Premium changes are due to the average cost of dogs similar to yours based on our claims experiences and inflation. 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 canine 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.