I needed to find another insurance company to cover my 9-year-old Boxer after dumping VPI. Very few pet insurances would take my girl, but Trupanion did. One year later - exactly when she turned 10 (and after NO claims) - Trupanion TRIPLED my premium. I called and asked why ... the representative mumbled something about equity and bills. I asked to speak to a supervisor and got the same thing. I immediately found another pet insurance company that would cover her for catastrophic events only - and I dumped Trupanion. I can't speak to claim response because I never submitted a claim. But I sure was amazed at a 300% premium increase that couldn't be explained.