Like I said I was not sure if I needed pet insurance. But When my family got our new puppy our Vet gave us a 1 month free trial, so I thought I would give it a shot! THANK GOD WE DID!!! Cause once our trial was over our puppy got really sick! He ended up needing a over $2000 surgery same day! I was not sure how the insurance was going to work or anything. BUT they we sooo helpful and took care or everything! They have paid for everything and MORE! From the actual surgery all the way down to his meds and special food he had to eat for a week! If we didnt have trupanion we would be up sh** chreek without a paddle with probably a dead puppy and two very sad little girls!!!! Moral of the story I would recommend them to ANYONE!!! Thank you thank you thank you Trupanion!!!!