I have had Trupanion for about a year not had to put in a claim and my boxer female just turned 3 yrs old. I got a notice in the mail that my premium will be going up 70% !! I was floored. I called them to ask why and they said due to Breed related factors and the area I was in they needed to adjust the price, and offered to raise my deductible to keep the same plan. BS!! In my opinion if you have to raise your rates 70% in one year because you mis calculated the cost. Someone is not doing their job or the company is on shaky grounds. BTW this is North Texas not Bedford NY Prices are not that high.