We took out Trupanion policies for both our puppies when they were about six months old. One dog suffered a poisoning from eating a cigarette butt and ran up a $900 vet bill, of which Trupanion acknowledged $800 would go towards our $1,000 annual deductible. Then the next year premiums came. Not only did rates go up for both dogs (who are still under 2 years old), but they also changed the terms of the policy so that $1,000 lifetime deductible is now "per diagnosis", not per pet. The customer service person I spoke to was rude and had an attitude of "well just cancel the policy if you don't like it." That's exactly what we will do! DON'T WASTE YOUR MONEY WITH THESE PEOPLE.