Trupanion Pet Insurance Florida Review

From Pet Insurance Wiki · last updated 14 Oct 2026 from public rate filings

Part of the Trupanion review · Pet insurance in Florida

Trupanion inFLFloridaChange state
Your dogFrench Bulldog · puppy, under 115 years of cover

Prices and ratings on this page are for the French Bulldog, enrolled as a puppy. Turn on JavaScript to choose your dog's breed and age.

This page is a draft: we have not read Trupanion's Florida rate pages yet, so it has no price and only partial scores. Figures may be corrected; see the history.

Trupanion is administered by Trupanion Managers USA, Inc. and underwritten in Florida by American Pet Insurance Company.

Coverage

APIC is the only Trupanion underwriter with Florida filings; ZPIC Insurance Company has none. Rate filings 26-021862 (in force from 1 September 2026) and 26-035528 (from 2 January 2027) are approved, but their rate pages were not obtained. Forms filings 26-018769 and 26-018771 (approved 13 May 2026, effective 1 September 2026) contain Florida Amendatory Endorsements TRU (D) 00006 FL and TRU (C) 00006 FL and Insurer Disclosure TRU (D) 00012 FL. Disclosure version V01.202309 says new policyholders have no waiting periods, but coverage starts after a delay from enrollment unless the pet is enrolled under the exam-day offer. The length of that delay is not known, so waiting days, enrollment ages and coverage flags are left blank.

Scores in Florida

Without rate pages there is no lifetime cost, so Trupanion is not ranked in Florida. Scales with data:

A. Lifetime costno data
B. Age curveno data
C. Generosity (loss ratio)no data
D. Rate increasesno data
E. Price structure8.0
F. Customer treatmentno data
Coverage (separate)no data

Why these scores

D. Rate increases no data
Not scored: no Florida APIC rate filing has a documented percentage. Insurify reported +12.9% for Trupanion (+24% accident and illness, +35.6% accident-only) for an approval effective 1 February 2026, which research notes tie to filing 25-043052; the article is not among our sources and the filing documents were not obtained. The changes in the later approved filings 25-055797 (from 2 July 2026) and 26-021862 (from 1 September 2026) are unknown, and there are no Florida customer dislocation data.
E. Price structure 8.0
Florida rate pages for APIC filings 26-021862 and 26-035528 were not obtained; Trupanion says prices do not rise for age or for claims, it 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
No Florida non-renewal or penalty data were found; in California, APIC reported 0 policies non-renewed in 2024 (filing 25-2461). That 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.

How each scale is computed: methodology.[15]

Price by age

Rate pages for Trupanion in Florida are not public or not yet read, so there is no price by age.

Compared with other brands in Florida

Monthly premium for the French Bulldog in Florida at filed rates, before any future increases. Drag the slider to see what you pay at each birthday.

Monthly premium by age for 5 brands in Florida; every number is in the table below the chart.$0$250$500$750$1,000$1,25002468101214

Filed rates: ASPCA, Pumpkin, Spot 26-024273 · Lemonade 26-034247 · Pets Best 26-026451. No rate pages read yet: Embrace, Fetch, Figo, Healthy Paws, MetLife, Nationwide, Trupanion.

All numbers: monthly premium by age, French Bulldog, none (filed rates)
AgeASPCALemonadePets BestPumpkinSpot
0$154$140$78$164$143
1$146$119$71$155$135
2$145$119$71$155$135
3$159$119$71$170$148
4$179$132$79$191$166
5$218$156$96$233$202
6$263$185$116$280$244
7$318$221$145$339$294
8$407$265$180$433$376
9$501$370$219$534$464
10$601$439$283$640$556
11$678$505$318$723$628
12$782$544$346$834$724
13$888$544$346$947$822
14$944$544$346$1,007$874

Rate filings

Trupanion's own figures where one filing sets different increases for different brands; the Florida page lists each filing's headline figures.

FilingEffectiveStatusRequestedApprovedIndicatedLoss ratioPermissible LRSource
26-0355282 Jan 2027approvedsource [1]
26-041300filed 22 Sep 2026filedsource [2]
26-0218621 Sep 2026approvedsource [3]
26-0391031 Sep 2026informationalsource [4]
25-0557972 Jul 2026approvedsource [5]
26-021802filed 23 Apr 2026withdrawnsource [6]
25-03798424 Feb 2026approvedsource [7]
25-0430521 Feb 2026approvedsource [8]
26-0041691 Feb 2026informationalsource [9]
25-0046981 Sep 2025approvedsource [10]
25-0112602 Jul 2025approvedsource [11]
24-06633324 Feb 2025approvedsource [12]
24-1086781 Jan 2025informationalsource [13]
24-0217792 Oct 2024approvedsource [14]
Notes on these filings (14)
  1. 26-035528: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 30 July 2026, approved 8 October 2026, effective 2 January 2027 for new and renewal policies. Documents not obtained, so the approved change is unknown. Research notes: floir-rate-filings.md, trupanion/analysis-2026-10-13.md.
  2. 26-041300: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 22 September 2026, still open on 13 October 2026. The effective date (24 February 2027 for new and renewal policies) is the date requested, not an approved one. Documents not obtained, so the size of the change is unknown. Research notes: floir-rate-filings.md, trupanion-notes.md.
  3. 26-021862: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 23 April 2026, approved 21 May 2026, effective 1 September 2026 for new and renewal policies. Documents not obtained, so the approved change is unknown. Research notes: floir-rate-filings.md, trupanion/analysis-2026-10-13.md.
  4. 26-039103: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 28 August 2026, closed as informational on 16 September 2026, effective 1 September 2026 for new and renewal policies. Documents not obtained. Research notes: floir-rate-filings.md, trupanion-notes.md.
  5. 25-055797: IRFS filing card: rates filing, filed 2 December 2025 under the Livestock (Animal Mortality) product that Florida pet filings used before the Inland Marine / Pet Insurance product, approved 30 January 2026, effective 2 July 2026 for new and renewal policies. Documents not obtained. Research notes: floir-rate-filings.md, trupanion-notes.md.
  6. 26-021802: IRFS filing card: rates filing under the Livestock (Animal Mortality) product, filed and withdrawn on 23 April 2026; the effective date it had requested was 1 September 2026 for new and renewal policies. Documents not obtained.
  7. 25-037984: IRFS filing card: rates filing, filed 3 July 2025 under the Livestock (Animal Mortality) product, approved 4 September 2025, effective 24 February 2026 for new and renewal policies. Documents not obtained. Research notes: floir-rate-filings.md, trupanion-notes.md.
  8. 25-043052: IRFS filing card: rates filing, filed 15 August 2025 under the Livestock (Animal Mortality) product, approved 2 October 2025, effective 1 February 2026 for new and renewal policies. The percentages are not from the filing documents, which were not obtained, but from an Insurify report of the Florida approval effective 1 February 2026, which the research notes attribute to this filing: Trupanion rates +12.9%, accident and illness +24%, accident-only +35.6%, more than 3,200 policyholders affected, 1,618 of them on Trupanion for Chewy. No figure is recorded as the approved change: the Insurify article is not among the sources, and it is unclear which of the three figures applies to the filing as a whole. Research notes: floir-rate-filings.md, trupanion-notes.md, trupanion/analysis-2026-10-13.md.
  9. 26-004169: IRFS filing card: rates filing for Inland Marine / Pet Insurance, filed 26 January 2026, closed as informational on 30 January 2026, effective 1 February 2026 for new and renewal policies. Documents not obtained. Research notes: trupanion-notes.md, fl-irfs-pet-filings-2026-10-13.md.
  10. 25-004698: IRFS filing card: rates filing, filed 30 January 2025 under the Livestock (Animal Mortality) product, approved 19 May 2025, effective 1 September 2025 for new and renewal policies. Documents not obtained. Research notes: floir-rate-filings.md, trupanion-notes.md.
  11. 25-011260: IRFS filing card: rates filing, filed 27 February 2025 under the Livestock (Animal Mortality) product, approved 10 April 2025, effective 2 July 2025 for new and renewal policies. Documents not obtained. Research notes: floir-rate-filings.md, trupanion-notes.md.
  12. 24-066333: IRFS filing card: rates filing, filed 14 August 2024 under the Livestock (Animal Mortality) product, approved 14 November 2024, effective 24 February 2025 for new and renewal policies. Documents not obtained. Research notes: trupanion-notes.md, trupanion/analysis-2026-10-13.md.
  13. 24-108678: IRFS filing card: rates filing under the Livestock (Animal Mortality) product, filed 20 December 2024, closed as informational on 27 December 2024, effective 1 January 2025 for new and renewal policies. Documents not obtained.
  14. 24-021779: IRFS filing card: rates filing, filed 3 May 2024 under the Livestock (Animal Mortality) product, approved 27 June 2024, effective 2 October 2024 for new and renewal policies. Documents not obtained. Research notes: trupanion-notes.md, trupanion/analysis-2026-10-13.md.

References

  1. 1.↑Florida Office of Insurance Regulation, IRFS. American Pet Insurance Company, Trupanion, rate filing 26-035528. Effective 2 Jan 2027. source
  2. 2.↑Florida Office of Insurance Regulation, IRFS. American Pet Insurance Company, Trupanion, rate filing 26-041300. Effective 22 Sep 2026. source
  3. 3.↑Florida Office of Insurance Regulation, IRFS. American Pet Insurance Company, Trupanion, rate filing 26-021862. Effective 1 Sep 2026. source
  4. 4.↑Florida Office of Insurance Regulation, IRFS. American Pet Insurance Company, Trupanion, rate filing 26-039103. Effective 1 Sep 2026. source
  5. 5.↑Florida Office of Insurance Regulation, IRFS. American Pet Insurance Company, Trupanion, rate filing 25-055797. Effective 2 Jul 2026. source
  6. 6.↑Florida Office of Insurance Regulation, IRFS. American Pet Insurance Company, Trupanion, rate filing 26-021802. Effective 23 Apr 2026. source
  7. 7.↑Florida Office of Insurance Regulation, IRFS. American Pet Insurance Company, Trupanion, rate filing 25-037984. Effective 24 Feb 2026. source
  8. 8.↑Florida Office of Insurance Regulation, IRFS. American Pet Insurance Company, Trupanion, rate filing 25-043052. Effective 1 Feb 2026. source
  9. 9.↑Florida Office of Insurance Regulation, IRFS. American Pet Insurance Company, Trupanion, rate filing 26-004169. Effective 1 Feb 2026. source
  10. 10.↑Florida Office of Insurance Regulation, IRFS. American Pet Insurance Company, Trupanion, rate filing 25-004698. Effective 1 Sep 2025. source
  11. 11.↑Florida Office of Insurance Regulation, IRFS. American Pet Insurance Company, Trupanion, rate filing 25-011260. Effective 2 Jul 2025. source
  12. 12.↑Florida Office of Insurance Regulation, IRFS. American Pet Insurance Company, Trupanion, rate filing 24-066333. Effective 24 Feb 2025. source
  13. 13.↑Florida Office of Insurance Regulation, IRFS. American Pet Insurance Company, Trupanion, rate filing 24-108678. Effective 1 Jan 2025. source
  14. 14.↑Florida Office of Insurance Regulation, IRFS. American Pet Insurance Company, Trupanion, rate filing 24-021779. Effective 2 Oct 2024. source
  15. 15.↑Pet Insurance Wiki, Rating methodology, version 1. methodology

History

  1. 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
  2. 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
  3. 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
  4. 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
  5. First published from California filing 25-2461 and the Florida OIR list of APIC filings