I adopted a Maltese/Havanese puppy from a rescue group last April. I took him to the vet for an initial visit and was offered a free trial of Trupanion coverage which I accepted. When the trial period was up, I continued the coverage since I wanted to be sure that I could afford whatever care my new companion might need. I am so glad that I did! He has had five claims in a year's time, and every one of them was handled beautifully by Trupanion. For this year, the refunds we have gotten on our claims have significantly exceeded the premiums that I have paid.
Mostly recently, my dog had one trip to the emergency vet and two additional hospitalizations at our regular vet for constipation and complications of this (colitis)--he was miserably sick. I had essentially three claims related to the same problem. The bills were just over $500. The very next week after I filed the paperwork, I received checks totaling nearly $360. This really helps! I am so glad that I decided to keep the coverage for my dog. I don't ever want to be in the position of not being able to afford the care he needs, and having his Trupanion policy gives me peace of mind that I can provide whatever medical care my little buddy needs.