How are premiums calculated?

Premiums for Trupanion pet insurance are calculated based on several key factors. These include the age of your pet, the breed, and the location where you live. Other variables that influence premium rates are the selected deductible amount, the coverage plan chosen, and any optional add-ons. These factors collectively determine the risk and potential costs associated with insuring your pet. For example, younger pets typically have lower premiums as they are generally healthier. Purebred animals might have higher premiums due to breed-specific health risks. Furthermore, the cost of veterinary care can vary by location, consequently affecting premium rates. Trupanion allows pet owners to get personalized quotes to determine the specific premium for their four-legged companions.