I would recommend Trupanion wholeheartedly to any pet owner, further I would advise any pet owner to get pet insurance in general. It sounds cheesy but it really provides peace of mind.
When our cat had to be referred to a specialist clinic, thankfully in town, it was a no-brainer. Don't get me wrong, I would have sent him to the clinic, pet insurance or not, but this way I didn't end up in debt.
When he was released home four days later being diagnosed with a very rare immune-mediated condition, we started submitting our first claims (and there were many and there are more to come). And since then I have been continually surprised by the speed the claims have been processed with. Further there haven't been any questions about the eligibility of the claims and everything was covered (of course not the vet checks and taxes but that's what you sign up for). I am so incredibly happy that we were able to - and continue to - provide the best care for our cat and don't have to think twice about it.
My cat will have to be monitored for this condition for the rest of his life and will most likely be on medication for the rest of his life. So I am thankful that we signed up with Trupanion as soon as we got him and hopefully, they will continue to be there for us along the way. Obviously, as a pet owner, you don't think that you will ever need pet insurance, but chances are you will, so sign up now.