I just got a premium notice that my premium went up from $41 to $66 month. My dog is 1 year old. I had a claim for $130 paid. They told me on chat that they have not raised premiums since starting in 2008. They should raise rates of 3-4 year policy holders now, and gradually raise rates as you are with them. They lie when they told me today they don't raise rates based on age of pet or claims. I don't thing vet bills have gone up 62% since 2008. Don't get scammed by Trupanion. You will be sorry after 1st year.