Trupanion Pet Insurance California Review
Trupanion is administered by Trupanion Managers USA, Inc. and underwritten in California by American Pet Insurance Company. At filed rates the French Bulldog costs $196 a month at age 2 and $196 at age 12; the 15-year total is $35,228.[1] The last approved increase was +19.0%, against +28.1% requested, effective 19 Jul 2026.[1]
Coverage
Rules and Rate Manual effective 19 July 2026 (CDI file 25-2461): dogs and cats under 14 years old are eligible; the youngest age band in the filing's rating samples is '8 weeks to 12 months old' (the samples were prepared for the original request; the manual itself sets no minimum age). Coinsurance 50–100%, deductible $0–$2,500. Exam fee coverage is not offered on the main Trupanion plan. Recovery and Complementary Care (dog factor 1.211) is included in new policies unless declined at enrollment. One-time $35 membership fee for the first pet. The exam-day offer (Veterinary Examination Program: 90%, $250 deductible, enrollment within 24 hours of a vet exam or of taking the pet home from a shelter or breeder) gives 8.33% off the first year's premium and waives the standard waiting periods, but the manual does not state their length, so waiting days and coverage flags are left blank.
Scores in California [sort by any column · click a brand for the breakdown]
| 1 | 9.3 | 10.0 | 8.1 | 5.7 | 8.0 | n/d | 8.3 | $35,228 | n/d | |
Age factor fixed at enrollment; no tenure or claims-history factor; the only discount is 8.33% off the first year under the exam-day offer, which does not depend on claims; fixed $6.97 monthly expense rate; no multi-pet discount; website quote valid until midnight Pacific time the same day; no website quote was compared with the filed rates | ||||||||||
F (customer treatment) has no data yet for California, so its weight changes nothing until that data is in. Coverage is scored separately and never counted in the total.
Why these scores
- D. Rate increases 5.7
- Filing 25-2461 raised California rates 19.0% from 19 July 2026 (requested 28.1%, indicated 21.2%). The filing does not give the share of policies at +30% or more for the approved version: its dislocation exhibit kept the policy counts computed for the 28.1% request, and the approved rate information reports individual changes from -5.5% to +53.4%.
- E. Price structure 8.0
- The rate formula in filing 25-2461 has no tenure or claims-history factor, and its only discount, 8.33% off the first year under the exam-day offer, does not depend on claims; but Trupanion offers no multi-pet discount and its website quote expires at midnight Pacific time on the day it is issued.
- F. Customer treatment no data
- APIC's California statistical data in filing 25-2461 show 0 policies non-renewed in 2024. The filing's countrywide expense data list fines and penalties of $11,159 (2022), $142,836 (2023) and $17,381 (2024) without naming a regulator or a reason; the regulator documents we have read contain no fine against APIC. Maine docket INS-23-800 (2023) was a disapproval of an APIC policy form, appealed by the company, not a penalty.
Price by age
From filing 25-2461, effective 19 Jul 2026, priced at the unlimited limit. 15-year total $35,228 at today's filed rates.[1]
All numbers: Trupanion, monthly premium by age
| Age | $/month | $/year |
|---|---|---|
| 0 | $196 | $2,349 |
| 1 | $196 | $2,349 |
| 2 | $196 | $2,349 |
| 3 | $196 | $2,349 |
| 4 | $196 | $2,349 |
| 5 | $196 | $2,349 |
| 6 | $196 | $2,349 |
| 7 | $196 | $2,349 |
| 8 | $196 | $2,349 |
| 9 | $196 | $2,349 |
| 10 | $196 | $2,349 |
| 11 | $196 | $2,349 |
| 12 | $196 | $2,349 |
| 13 | $196 | $2,349 |
| 14 | $196 | $2,349 |
| Total over 15 years | $35,228 | |
Compared with other brands in California
Monthly premium for the French Bulldog in California at filed rates, before any future increases. Drag the slider to see what you pay at each birthday.
Filed rates: ASPCA, Pumpkin, Spot 25-613 · Embrace 26-812 · Fetch 25-2417 · Lemonade 23-3248 · MetLife 25-2234 · Trupanion 25-2461. Dashed: proposed, filed but not yet approved (Embrace, effective 1 Feb 2027). No rate pages read yet: Figo, Healthy Paws, Nationwide.
All numbers: monthly premium by age, French Bulldog, none (filed rates)
| Age | ASPCA | Embrace | Fetch | Lemonade | MetLife | Pumpkin | Spot | Trupanion |
|---|---|---|---|---|---|---|---|---|
| 0 | $122 | $195 | $126 | $86 | $273 | $122 | $122 | $196 |
| 1 | $122 | $137 | $128 | $77 | $248 | $122 | $122 | $196 |
| 2 | $122 | $158 | $145 | $75 | $248 | $122 | $122 | $196 |
| 3 | $122 | $181 | $164 | $75 | $248 | $122 | $122 | $196 |
| 4 | $127 | $209 | $196 | $85 | $251 | $127 | $127 | $196 |
| 5 | $157 | $240 | $233 | $102 | $315 | $157 | $157 | $196 |
| 6 | $181 | $276 | $277 | $120 | $379 | $181 | $181 | $196 |
| 7 | $213 | $317 | $327 | $148 | $472 | $213 | $213 | $196 |
| 8 | $268 | $364 | $386 | $179 | $584 | $268 | $268 | $196 |
| 9 | $305 | $418 | $455 | $217 | $667 | $305 | $305 | $196 |
| 10 | $364 | $482 | $535 | $258 | $774 | $364 | $364 | $196 |
| 11 | $417 | $554 | $627 | $306 | $897 | $417 | $417 | $196 |
| 12 | $481 | $637 | $734 | $330 | $1,039 | $481 | $481 | $196 |
| 13 | $481 | $732 | $857 | $330 | $1,091 | $481 | $481 | $196 |
| 14 | $529 | $842 | $998 | $330 | $1,143 | $529 | $529 | $196 |
Rate filings
Trupanion's own figures where one filing sets different increases for different brands; the California page lists each filing's headline figures.
| Filing | Effective | Status | Requested | Approved | Indicated | Loss ratio | Permissible LR | Source |
|---|---|---|---|---|---|---|---|---|
| 25-2461 | 19 Jul 2026 | approved | +28.1% | +19.0% | +21.2% | 73% actual (2025) | 63% | source [1] |
Notes on these filings (1)
References
- 1.↑California Department of Insurance, WARFF. American Pet Insurance Company, Trupanion Pet Health Insurance, rate filing 25-2461. Effective 19 Jul 2026. Requested +28.1%, approved +19.0%, indicated +21.2%. source
- 2.↑Pet Insurance Wiki, Rating methodology, version 1. methodology
History
- Added how Trupanion sets prices (71% payout target, age locked at enrollment, the actuary's premium trend), the full California rate history since 2017, retention and revenue per pet from the 2025 10-K, the 2024 shareholder letter, and the list of Florida filings; linked the new case on the locked age factor
- Corrected the policyholder count to one figure, 94,327 from the summary of filing 25-2461 (its dislocation exhibit totals 94,326); stated that the nine increases since 2017 compound to +294.9%; named the California Department of Insurance as the source of the 19.0% indication
- Florida: no longer show Insurify's +12.9% as the approved change in filing 25-043052, since it does not come from the filing and its attribution is uncertain; added APIC filings 24-108678 (informational) and 26-021802 (withdrawn) to the Florida list; added BBB and Trustpilot ratings checked on 13 October 2026
- Corrected the 2026 California increase to the approved +19.0% (the company had asked for +28.1%); noted that the filing's customer-dislocation counts were computed for the original request, not the approved change; noted that $195.71 excludes the Recovery and Complementary Care rider and that the manual has an 8.33% first-year discount under the exam-day offer; dated the loss ratio to the year ending 30 September 2025
- First published from California filing 25-2461 and the Florida OIR list of APIC filings