I have had 4 dogs on Trupanion for about 1 year now. I specifically picked them over PetPlan because Trupanion does not raise monthly premiums as your dog ages - so imagine my surprise when I got an email saying two of my dogs premium were going up over 30% and the other two about 8%. If I want to keep the same monthly premium I would have to increase from a $0 deductible to a $200 deductible - BOGUS. I can totally understand a 8% increase, vet fees do increase, etc. But 30% (from $46 to $61) really does seem excessive to me. Plus no multiple dog discount may be enough for me to switch.
On the good side they have paid out awesome - fast pay out. They do have a long waiting period which is something to be aware of.