I have had Trupanion since my Lab was 8 weeks old. They signed me up at a rate of $33 a month, but within the first year they increased my premium to $45 a month. In the 2nd year of coverage they raised my premium to $51 a month. Now I have just recieved a new notice advising me my monthly rate will be $71 a month. They always claim this not because of claims history but because of higher Vet. costs. Well my Vet has not increased his rates in the last 3 years, but Trupanion has increasd my premiums by over 100%.