While their customer services reps are very very nice, that doesn't in any way mitigate the fact that they raised my dog's monthly premium by 33% and my other dog is set for the same increase when her premium hits the 12 month mark early next year.
While I expect modest yearly increases, no amount of justifying can explain this rate increase. In the 12 months I've had my dogs insured with them I've not made one claim.
One customer service rep made it sound like the rate increase was specific to CA, but I am on a breed-specific board and I can tell you, the rates are going up by leaps and bounds all over the 50 states.
I switched my dogs to Healthy Paws, which is based on the same model as Trupanion. I had assurances from them, verbally and in writing, that yearly premium increases are in the 5% - 7% range.