I have had insurance on my dog, Honey, since I got her at 8 mos. She was diagnosed with epilepsy and had many visits for bloodwork, an MRI, and a spinal tap for her diagnosis. The total of which cost about $4,000. With Trupanion I paid only a small amount of that. After I paid for everything in full and sent the forms into Trupanion I had sevreral reimbursement checks within a week. They reimbursed 90% after I reached my deductible. I would not have been able to take care of Honey without that reimbursement. Thank goodness her epilepsy does not require medication, however if she did we'd it, Trupanion would cover 90% of the cost because I have already hit her lifetime deductible for that issue. The only downside I would say is that they dont cover any exam fees, I think they should cover a pcentage after the deductible, not necessarily 90%, maybe 20-30%. Sometimes that little bit of coverage can mean a lot!