We lucked into Trupanion because they offers a free month wHen we took our new pup for her first checkup. Fortunately we never cancelled. Our pup had giardiasis, a broken leg and some weird and frightening "episodes" which, after many vet , ER,specialists and an MRI, was diagnosed as a kind of seizure. Imagine the cost. Easy forms to fill out. very prompt acknowledgement of their receipt. Very prompt and clear explanation of costs,deductible and payments due followed by a check. We are more than satisfied, we are grateful to have this coverage.