How Much Is Dog Insurance?
As a responsible pet owner, of course you want to know how the cost of pet insurance is determined. Our monthly dog health insurance premiums are based on four factors:
- Your dog’s age at enrollment
- His or her breed
- Your dog’s gender
- Where your dog lives
We consider each of these elements and then match them to the average dog’s veterinary costs to determine your premium.
How Much is the Deductible?
Depending on your specific budget and situation, you also have the option to choose a pet insurance deductible. A deductible is your out-of-pocket cost before our policy kicks in. You can set your deductible amount anywhere from $50 to $1,000. You also can choose to have no deductible.
Will My Rates Go Up if I Make a Claim?
When your dog has an accident or unexpected illness that requires vet care, the last thing you want to think about is whether your rates will go up because of it. They won’t. We don’t raise premiums based on your number of claims or their overall cost. We know you have no control over whether your canine friend gets sick or injured, so we don’t set a payout limit. That means there is no hidden penalty for making claims.
Does Dog Insurance Get More Expensive as My Dog Ages?
We’re glad your trusted friend is aging gracefully and we want to make sure to help protect him or her from unexpected vet costs for the many years ahead. That’s why we do not increase premiums because an enrolled dog is getting older.
Check out our dog insurance comparison chart, which demonstrates the benefits of Trupanion over competing plans.