I first decided this time on trying trupanion insurance for my newfoundland that was about 10 week old and now he is 2 yrs old. i have never made a claim. i know they have raise the price 40.00 more. they say the never raise the price due to age, the raise it because Advancements in veterinary medicine continue to improve the quality and lengthen the life of our pets. so i will be canceling my membership..