We cannot praise Trupanion and its staff highly enough. Although we deliberately chose dogs whose breed is known to have few genetic problems, our daughter (who is an emergency veterinarian in a different city) encouraged us to purchase medical insurance for them. We are so glad we did, AND that we chose Trupanion! We have made claims for both dogs during the past 3+ years; every claim was processed within just a few days, with confirmation by e-mail, and a cheque received within two weeks at the very most.
One of our dogs has had significant health problems over the past 10 months, beginning with a critical illness requiring emergency treatment and hospitalization. The knowledge that Trupanion would reimburse 90% of our veterinary expenses enabled us to make rapid decisions about diagnostics and treatment - I have no doubt this contributed to a positive outcome. Having insurance also enabled us to pursue further diagnostic testing, identify an underlying problem, and provide ongoing medication essential to restore and maintain his quality of life. We are thrilled to have our devoted companion healthy again, and our other dog is happy her buddy is back to his normal self.
We didn't insure our dogs until they were age 8 and 5, but even with the exclusion of pre-existing conditions, the benefits of Trupanion have been amazing. I wouldn't consider bringing another pet into my home without immediately insuring it through Trupanion.