truInsights is a data focused initiative introduced by Trupanion and designed to deliver valuable health-related data and insights to pet parents, veterinarians and pet lovers alike.

As the number one most frequently claimed condition among Trupanion pet parents, allergies in pets are a topic of increasing priority for pet parents. With over 20 years of pet health data, Trupanion, Inc. (Nasdaq: TRUP), the leading provider of medical insurance for cats and dogs, has conducted a deep dive into its veterinary invoice data, revealing trends and insights as well as offering some practical tips for pet parents.

Allergy Claims on the Rise

Trupanion's analysis of its data between 2019 and 2023 reveals a 42% increase in the frequency of allergy and ear infection claims among Trupanion pets in North America¹. Taking a look at changes from one year to the next, the increase in allergy-related invoices has varied from up 6% to up 14%, showing variability over time.

Despite the overall upward trend in allergy-related claims, veterinary care can play a crucial role in managing allergies in pets.

A deeper dive into Trupanion’s database of over 3 million protected pets² shows that on average, a dog will have 16 allergy related claims, while a cat will have 6 allergy related claims, with the average cost of treating allergies adding up to approximately $2,300 for dogs, and $600 for cats, over the pet’s lifetime.

For pet parents concerned about allergies affecting their furry companions, Trupanion consulted with veterinarian and Trupanion General Manager, Dr. Stephen Rose, BVSc (Hons1) M Infotech CVA ACVCHM, for his insights. “Allergies, much like in humans, can have broad health implications, affecting skin, ears, eyes, feet, and even internal organs,” said Dr. Rose. “Allergies are less seldom triggered by a singular factor but rather accumulate from multiple triggers, ultimately prompting the need for treatment. This complexity often makes it challenging to pinpoint the exact allergen causing the reaction, as it's typically a combination of factors.”

Dr. Rose added, “For these reasons, getting veterinary advice on diagnostic options, allergy trials and treatment is essential. Luckily for our furry companions, recent advancements have significantly improved the availability, efficacy, and safety of allergy treatments for pets.”

Understanding Allergy Patterns

Pet allergies often follow seasonal patterns, tending to peak during the summer months, particularly in August and September. Not all pets with allergies will experience any signs during these times however. Understanding individual sensitivities and staying vigilant through proactive monitoring are essential for effective allergy management in pets.

Dr. Rose added, “Allergy types vary, including seasonal triggers like summer parasites (such as flea bites), pollens, or molds prevalent in spring or fall, as well as year-round allergens like certain food ingredients. Some pets may have sensitivities to multiple substances, blending seasonal and year-round allergies.”

Allergies in pets can also vary by region. For Trupanion-covered pets in North America, the highest number of allergy related claims over the past 3 years occurred in these states or provinces:

1. Washington
2. Florida
3. Newfoundland and Labrador
4. New Jersey
5. British Columbia
6. Alberta
7. New York
8. Hawaii
9. Nevada
10. Louisiana

Prevalence of Allergies in Dogs vs. Cats

Trupanion's data shows a pretty clear difference in allergy occurrence between dogs and cats. Among its members, Trupanion observes roughly 8.5 times more allergy claims from dogs compared to cats, even after accounting for the number of insured pets in each group.

Amongst Trupanion members, the breeds which appear overrepresented with allergies are as follows:

1. English Bulldog
2. Olde English Bulldog
3. West Highland White Terrier
4. French Bulldog
5. Cocker Spaniel
6. Soft Coated Wheaten Terrier
7. American Bulldog
8. Newfoundland
9. Basset Hound
10. American Pitbull Terrier

Practical Tips for Pet Allergy Management

Dr. Rose offers the following tips to pet parents concerned about pet-related allergies:

• Maintain a record of when your pet is showing signs of allergies, including time of year and what topical or other treatments you are using (shampoos, parasite preventatives, food type or changes to diet), and how severe the signs are at that time.
• Itchiness is a common sign of pet allergies, yet distinguishing between allergic itching and skin infections is vital for effective resolution, highlighting the importance of veterinary expertise.
• Seek treatment early, before secondary problems arise such as skin infections or self-inflicted skin problems from scratching, licking or rubbing. Maintain regular check-ups with your veterinarian to discuss allergy signs and concerns.
• Getting veterinary advice on diagnostic options, allergy trials and treatment is essential.

About Trupanion

Trupanion is the leader in medical insurance for cats and dogs throughout the United States, Canada, Europe, Puerto Rico and Australia with over 1,000,000 pets enrolled. For over two decades, Trupanion has given pet parents peace of mind so they can focus on their pet's recovery, not financial stress. With its patented process, Trupanion is the only North American provider with the technology to pay veterinarians directly in seconds at the time of checkout. Trupanion is listed on NASDAQ under the symbol "TRUP". The company was founded in 2000 and is headquartered in Seattle, WA. Trupanion policies are issued, in the United States, by its wholly-owned insurance entity American Pet Insurance Company and, in Canada, by Insurtech Accelerant. Trupanion Australia is a partnership between Trupanion and Hollard Insurance Company. For more information, please visit trupanion.com.

¹ Increase based on the average number of claims per 1,000 pets enrolled on a monthly basis.

² Since 2000, Trupanion has protected over 3 million pets. As of 12/31/2023, Trupanion had over 1,000,000 subscription pets enrolled.

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