I just got my renewal for my 5-year-old dog and the premium doubled from two years ago (40% last year and another 50% this year). I checked my original policy and found it is silent with regard to premium increases. Maybe if I was making claims, I'd have been happier with Fetch. I bought the policy to protect against a catastrophic event and never made a claim, so I have five years of premiums in the rearview mirror. If my dog turning 5-years-old can trigger this kind of increase, it seems the sky the limit on future increases as she gets older. Turns out the catastrophic event I needed protection from was Fetch premium increases. Grr.