This company is outstanding. I insure 3 pets--thank goodness. When my cat was 11 months only, his body stopped making red blood cells. He was hospitalized for 3 weeks, had 2 transfusions, bone marrow tests. It was discovered that he has immune-mediated dyserythropoiesis. With his medication, he is back to normal. I don't know what I would have done without Trupanion. They have not only been fair but also extremely kind and helpful throughout this whole ordeal.