Trupanion Pet Insurance Texas Review
Trupanion is administered by Trupanion Managers USA, Inc. and underwritten in Texas by American Pet Insurance Company.
Coverage
Trupanion links Texas to its general 2019 sample policy TRU (D) 00001 (V10.201902), underwritten by American Pet Insurance Company. In it, injuries wait 5 days and illnesses 30 days; anything with signs in the 18 months before enrollment is pre-existing, and listed bilateral conditions (cruciate ligament, luxating patella and others) are excluded if signs appear on either side from 18 months before to 30 days after enrollment. The policy renews monthly, and the premium can change with 30 days' notice, at most once in 12 months. We do not know if this 2019 text is what Texas buyers get today: Trupanion's 2023 Florida disclosure describes a different waiting-period scheme. Texas rates are not filed.
Scores in Texas
Without rate pages there is no lifetime cost, so Trupanion is not ranked in Texas. Scales with data:
| A. Lifetime cost | no data |
|---|---|
| B. Age curve | no data |
| C. Generosity (loss ratio) | no data |
| D. Rate increases | no data |
| E. Price structure | no data |
| F. Customer treatment | no data |
| Coverage (separate) | no data |
Price by age
Rate pages for Trupanion in Texas are not public or not yet read, so there is no price by age.
Rate filings
No filings recorded yet.
References
- 1.↑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not come from the filing and its attribution is uncertain; added APIC filings 24-108678 (informational) and 26-021802 (withdrawn) to the Florida list; added BBB and Trustpilot ratings checked on 13 October 2026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