Pet insurance plan rates are calculated utilizing 4 variables: species, age, breed and postal code. Like with humans, as our pets age These are much more at risk for establishing certain ailments. We're not being held liable for any resulting damages from good or poor use from the company. See https://accidentliabilitysupport76653.targetblogs.com/34153004/convert-dog-years-to-human-years-an-overview