First my rates have gone through the roof. I pay half the premium for my dog that is one year younger at Trupanion. Then, I spent over a half hour on the phone with a representative trying to figure out which invoices I submitted already and which I didn't, because it is impossible to tell from website. She informed me that nothing was submitted after April 2015. When I submitted the receipts, the ones from that month were denied as duplicate submissions.