Trupanion | Pet Insurance Review

This review is solely based on rate increases that you need to understand before getting insurance with Trupanion for your 1 yo mixed breed male dog between 20-55 lbs. Prices have gone up everywhere but I was told that yearly my rates typically would go up about $4 a month and they did for a couple of years. Well fast forward when my rates started 11/2019 and now it's going to be 11/2024. My current monthly increase now totals $120.66. It was $58.83. at age 1. Last year it was $85.88 a month. Doing the math averaging out on percentage's a year, that would be approximately 21% a year or as of 11/2024, 5 years later, a total 105% increase. If you do not mind that, than go for it. Never had a problem with them paying for claims ($500 deductible for new incidents, there were some exclusions for pre-existing conditions (allergies and IBD, inflammatory bowel disease) and I was covered at 90% with no ceiling. There are cheaper plans with them. Maybe check those out. I'm just giving you the skinny on the particulars of my plan. So last year the increase was about $18 a month, this year closer to $35 a month but, hey, I'm told it could also go down when the vet prices go down (told that story line last year too). I live in Denver, that's definitely not happening. My recommendation, if you live in a state that has high vet costs, shop around and think about the future when your dog is likely to need more medical help. But I must point out again, that they did say the rates could go down... uhuh. My home/car insurance with Nationwide told me the same line of.... and in 11 years that never went down even one time.

This review is solely based on rate increases that you need to understand before getting insurance with Trupanion for your 1 yo mixed breed male dog between 20-55 lbs. Prices have gone up everywhere but I was told that yearly my rates typically would go up about $4 a month and they did for a couple of years. Well fast forward when my rates started 11/2019 and now it's going to be 11/2024. My current monthly increase now totals $120.66. It was $58.83. at age 1. Last year it was $85.88 a month. Doing the math averaging out on percentage's a year, that would be approximately 21% a year or as of 11/2024, 5 years later, a total 105% increase. If you do not mind that, than go for it. Never had a problem with them paying for claims ($500 deductible for new incidents, there were some exclusions for pre-existing conditions (allergies and IBD, inflammatory bowel disease) and I was covered at 90% with no ceiling. There are cheaper plans with them. Maybe check those out. I'm just giving you the skinny on the particulars of my plan. So last year the increase was about $18 a month, this year closer to $35 a month but, hey, I'm told it could also go down when the vet prices go down (told that story line last year too). I live in Denver, that's definitely not happening. My recommendation, if you live in a state that has high vet costs, shop around and think about the future when your dog is likely to need more medical help. But I must point out again, that they did say the rates could go down... uhuh. My home/car insurance with Nationwide told me the same line of.... and in 11 years that never went down even one time.

This review is solely based on rate increases that you need to understand before getting insurance with Trupanion for your 1 yo mixed breed male dog between 20-55 lbs. Prices have gone up everywhere but I was told that yearly my rates typically would go up about $4 a month and they did for a couple of years. Well fast forward when my rates started 11/2019 and now it's going to be 11/2024. My current monthly increase now totals $120.66. It was $58.83. at age 1. Last year it was $85.88 a month. Doing the math averaging out on percentage's a year, that would be approximately 21% a year or as of 11/2024, 5 years later, a total 105% increase. If you do not mind that, than go for it. Never had a problem with them paying for claims ($500 deductible for new incidents, there were some exclusions for pre-existing conditions (allergies and IBD, inflammatory bowel disease) and I was covered at 90% with no ceiling. There are cheaper plans with them. Maybe check those out. I'm just giving you the skinny on the particulars of my plan. So last year the increase was about $18 a month, this year closer to $35 a month but, hey, I'm told it could also go down when the vet prices go down (told that story line last year too). I live in Denver, that's definitely not happening. My recommendation, if you live in a state that has high vet costs, shop around and think about the future when your dog is likely to need more medical help. But I must point out again, that they did say the rates could go down... uhuh. My home/car insurance with Nationwide told me the same line of.... and in 11 years that never went down even one time.

When I signed up my new dog in 2022, I did so because they will pay most emergency vets directly. Since I had to leave $10k when my last dog got sick, I decided it was a good idea, even though they are definitely THE MOST EXPENSIVE pet insurance out there. Also, I knew someone who had Teupanion, and the cost had only gone up about $3 in over six years. When my renewal came in 2023, my tlraye increased by almost $100 per month. I called them, and they're solution was to raise my deductible. Well, they have a pet incident deductible vs. an annual deductible, so that can get pricey. Healthy Paws had an annual of $100, and I liked them, but in an emergency, I thought Trupanion would alleviate the stress of coming up with a huge deposit. I doubled my deductible and was told that my rates probably wouldn't go up again when it renewed. Well, I got my 2024 renewal notice, and even with a higher deductible, my premium is being raised to $295 a month. That's another $65 more than I'm paying, and once again, the only response I get is to raise my deductible again. If I keep doing that, it's going to be so high that I won't be able to afford to go to the vet at all. I'd switch in a heartbeat if I could, as I've priced other plans, and with the same coverage and an annual deductible and no annual cap, it's about a third of what I'm paying. Unfortunately, anything ever talked about or brought up as a future possibility will be excluded. For instance, I had my dog x-rayed and checked for hip dysplasia at one year due to his size. It was clear, but if he ever ended up with that, it would be excluded with other companies. So, I'm stuck paying nearly what I used to pay for my new car per month. It's absolutely ridiculous.If they're going to keep raising rates as high as they're doing, they could at least have an annual deductible. I should also mention that my last insurance included physical therapy, acupuncture, etc as part of the policy, and you have to pay extra with Trupanion. I'm sorry, but I think they are taking advantage of people that live in cities and are already being gouged by VCA and every other hospital now owned by Mars. Since they bought them out their prices have skyrocketed, and also practically insisting on unnecessary procedures doesn't help. I joined Modern Animal to avoid paying exam fees, since those are also not covered. I can't afford a super high deductible and exam fees. I'm a very unhappy customer that is stuck with them or having no insurance at all. Our second dog is NOT insured by them. He has great coverage at around $70 a month. Hindsight is 20/20 I suppose.

When I signed up my new dog in 2022, I did so because they will pay most emergency vets directly. Since I had to leave $10k when my last dog got sick, I decided it was a good idea, even though they are definitely THE MOST EXPENSIVE pet insurance out there. Also, I knew someone who had Teupanion, and the cost had only gone up about $3 in over six years. When my renewal came in 2023, my tlraye increased by almost $100 per month. I called them, and they're solution was to raise my deductible. Well, they have a pet incident deductible vs. an annual deductible, so that can get pricey. Healthy Paws had an annual of $100, and I liked them, but in an emergency, I thought Trupanion would alleviate the stress of coming up with a huge deposit. I doubled my deductible and was told that my rates probably wouldn't go up again when it renewed. Well, I got my 2024 renewal notice, and even with a higher deductible, my premium is being raised to $295 a month. That's another $65 more than I'm paying, and once again, the only response I get is to raise my deductible again. If I keep doing that, it's going to be so high that I won't be able to afford to go to the vet at all. I'd switch in a heartbeat if I could, as I've priced other plans, and with the same coverage and an annual deductible and no annual cap, it's about a third of what I'm paying. Unfortunately, anything ever talked about or brought up as a future possibility will be excluded. For instance, I had my dog x-rayed and checked for hip dysplasia at one year due to his size. It was clear, but if he ever ended up with that, it would be excluded with other companies. So, I'm stuck paying nearly what I used to pay for my new car per month. It's absolutely ridiculous.If they're going to keep raising rates as high as they're doing, they could at least have an annual deductible. I should also mention that my last insurance included physical therapy, acupuncture, etc as part of the policy, and you have to pay extra with Trupanion. I'm sorry, but I think they are taking advantage of people that live in cities and are already being gouged by VCA and every other hospital now owned by Mars. Since they bought them out their prices have skyrocketed, and also practically insisting on unnecessary procedures doesn't help. I joined Modern Animal to avoid paying exam fees, since those are also not covered. I can't afford a super high deductible and exam fees. I'm a very unhappy customer that is stuck with them or having no insurance at all. Our second dog is NOT insured by them. He has great coverage at around $70 a month. Hindsight is 20/20 I suppose.