I have never had pet insurance before. So when I got my next dog I decided to get pet insurance. I had Trupanion insurance for 2 years with no claims. The price jumped from $37 to $65/month for a 3 year old mixed dog.I cannot tell you how the handle claims since I never had one.The rate adjustment is due to technological advancement not the age of the dog they assured me. So watch out for the price increase in 2nd year. I am not happy and will be looking elsewhere.