After researching pet insurance, I too went with Trupanion. Explanations were clear and I also liked the sliding deductible / fee calcualtor on the web site. My beautiful chocolate lab recently had exploratory surgery for a possible intestinal blockage. (Turns out, no blockage, but both the emerg and our regular vet felt surgery was a must!) Needless to say, this was a pricey procedure. Trupanion did everything they said they would and my reimbursement check arrived in a timely fashion. (I had the check within one month of his surgery date -- it would have been faster but we used regular mail for vet records instead of fax.) Plus, our local rep Scot M. followed up with me every step of the way keeping me infomred of my claim status. I have recommended Trupanion to every dog owner I know.