Initially I was very pleased with Trupanion, low rates for their zero dollar deductible for my 3 dogs. Although there was a huge amount of paper work to enroll -- documents of every vet visit each dog had ever had in their life plus copies of the vets chart notes. THEN after the first year they nearly TRIPLED the rates. They said it was because of the rapidly advancing veterinary technology available and the "possible" associated costs. It's bait and switch pure and simple. I am going back to my old pet insurance. Trupanion is a SCAM!!