Monthly premiums (aka what you pay each month) are based on a few different things, including your pet’s age. As you renew your policy every year for your pet as they age, their premium may increase to account for the higher veterinary costs of caring for an older pet. You’ll always be notified of any changes before your new price goes into effect at renewal—one year from your start date. We’re committed to clearly communicating information about rate changes in advance of renewal.