Premiums are determined by the breed of your pet and the local costs of veterinary medicine only.

Your pet’s premiums will never increase due to your pet aging . In addition, you can lower your pet’s premium by selecting a deductible that best matches your budget.

Your pet is going to get older, although we sometimes wish they would stay puppies or kittens forever. Other pet insurance providers increase monthly premiums as a pet ages and rarely disclose this increase at the time of enrollment. Most pet owners are shocked to find that by the time their pet has reached 10 years old, for example, their monthly premium has more than doubled, mostly due to their pet's age. Why would you be penalized for such a normal process? That doesn’t make sense. With Trupanion, the only reason your pet’s monthly premium will increase is to reflect the rise in veterinary costs.