Trupanion received approval for a 19% rate increase in California, affecting 94,327 policyholders and $171.5 million in written premium.
The increase, which took effect July 19 for new and renewal business, is expected to generate approximately $32.6 million in additional premium. Individual policy changes range from a 5.5% decrease to a 53.4% increase.
Trupanion initially requested a 28.1% increase, which would have generated $48.2 million in additional premium. The company lowered its request to 19% following discussions with the California Department of Insurance.
The approved changes include a 21.5% increase to the base rate, partly offset by reductions to certain geographic and breed factors. Trupanion’s previous California rate increase of 31.7% took effect in July 2025.
The business is underwritten by American Pet Insurance Company.
