I've been with this company for 10+ years since my pug was 1 year old. I was told that my annual premium can only be increased by a small % every year so that's why I got it when he was at a young age. Thank god, barely used the insurance over the last 9 years. Only made 1 claim 9 years ago. But dang, I didn't think that they would change the underwriting company so they have the BEST excuse to re-set the premium. This got me good. I was paying $460/yr for $3000 coverage plan but now they are telling me I have to pay $1450 for the same $3000 coverage plan w $250 deductible or $1220 for the $1500 coverage plan w $100 deductible. Why the heck would I want to pay $1450/yr for a $3000 coverage plan w $250 deductible, and then pray to God that you don't ignore or deny my claim for whatever reason?? Makes no sense at all!