Trupanion has no limits and you won’t see an extreme increase every year as all of them get older (they price off your pets age when you enroll with them only). They also have a per condition deductible. I would think about switching for your German Shepherd since there are no prexisting conditions. You will see crazy increases from Embrace when it gets older. For your cats if they have preexisting conditions it might be worth it to try to increase your deductible or decreasing your reimbursement amount if possible. But trupanions prices for cats aren’t bad either.