I joined Trupanion earlier this year, soon after I rescued 2 kittens from a shelter. So far my experience with them has been very positive. One of my kittens suffers from frequent vomiting, we still have not found the cause. Trupanion has paid up quickly and efficiently each time I made a claim and enabled me to conduct an expensive ultrasound. I also like that advisors on the phone are well trained, always friendly and (at least appear) genuinely concerned about my pet. The only downside I can list so far is that payment requests have to be filled out by fax or mail. An email system would be much more efficient.