I did the research 2 years ago when we rescued our girl Magnolia. This company seemed the right way to go. Well, our 2nd year with them and our premium is increasing 40% a month! Maggie is 2, we got the insurance when we got her at a little over 2 months old. Yes I live in NY an expensive place, but a mixed breed that's only 2yrs old shouldn't have such a high rate hike. They say breed, age and where you live are the reasons for hike...so it's just because we are in NY we have to pay almost double, because it sure isn't about her age or breed. At this rate, by the time she is 5 I will be paying $500 a month for insurance? Their solution is to raise my deductible or lower my reimbursement rate. How is that a solution? I will just be paying either way. The number of people in NY with pets all with a 40% rate increase, is criminal.