We have paid for our Trupanion insurance for one year on our two puppies who are staggered in age. As soon as the first puppy turned one-year-of age, Trupanion raised the premium on one puppy from $42 per month to $54 per month. I assume the second puppy will receive an increase in a couple months which will cost $104 ($50 deductible)per month for puppies only one-year of age. I am unsure that this is worth the long term commitment of $1,248 per year for ten years down the road when dogs will need the insurance. We had a claim when our puppy was stung by an insect and had a swollen nose. Apparently that drove our $84 per month payment to become not enough for Trupanion...but it was enough for me.