We never penalize responsible pet owners for having unlucky pets. This means your rates won’t increase and your coverage won’t be limited because you've submitted multiple claims.

We all wish we had a crystal ball to turn to when it comes to our pet’s health. There are all sorts of scary illnesses and diseases that your pet may develop as your pet ages (hip dysplasia, ACL, liver shunts, and diabetes to name a few) not to mention the occasional swallowed thingamajig.

Here’s a statistic to consider: 8% of Trupanion pet owners file a claim every month. Many of these are multiple claims for specific illnesses that require ongoing treatment and care. Most pet insurance providers raise your rates to compensate for the additional cost - this won't happen with Trupanion. Trupanion pet owners are never penalized with higher rates because of an unlucky pet.