I would ask that you be very careful before signing up. Their promise of not increasing premiums annually is bogus. My dogs' premium increased 52%. They do not do what they say they are going to do. My dog was enrolled at 8 weeks as a perfectly healthy pet. She was then spayed at an appropriate age. Shortly after that she began having urinary tract infections, Trupanion has denied EVERY claim as "symptoms" do not match "diagnosis". We have filed 4 claims - each denied for the same reason.