American Pet Insurance Company has introduced updates to its Trupanion pet health insurance policy in Georgia, revising core contract terms without changing rates.

The filing, submitted March 31, 2026, is set to take effect June 2, 2026 for both new and renewal business and reflects a form update rather than a pricing move.

At the center of the update is a new coinsurance framework. Policyholders can increase coinsurance at any time, but decreases are limited to the first 30 days after enrollment. Changes take effect with a delay tied to billing cycles and are applied based on treatment date rather than claim submission timing.

The filing also tightens claims handling requirements. Policyholders must submit claims within one year of treatment, and reimbursement may be denied if medical records are inaccessible. An expanded appeals process introduces the option for an independent third party veterinarian review in complex cases, with decisions binding on the insurer.

Additional updates include revised cancellation provisions, fraud language, and policyholder responsibilities under the pet owner assistance package. Monthly premium billing and automatic renewal terms remain in place.

Bottom Line: No pricing change, but meaningful updates to claims timing, dispute resolution, and coinsurance flexibility—signaling continued refinement of Trupanion’s policy structure and operational controls.