I have had Trupanion for almost one year and received an email today titled "Trupanion Premium Change Notification." Having read some other reviews about rate increases, I dreaded opening the message.
I was completely surprised and delighted to see that it was notice of a 10% DECREASE in the premium. My cat is 2 years old and was diagnosed with severe stomatitis early in 2012. She underwent a complicated surgery to remove all of her teeth, and she has been great ever since.
Trupanion has paid over $3000 in claims in 2012. They have paid promptly and according to the plan coverage. I did request pre-approval for the full-mouth extraction, and highly recommend requesting pre-approval if time is available to do so.