I had switched my insurance from ASPCA to Trupanion over concerns I had with ASPCA's policies. My cat, Oreo, was 11 at the time and Trupanion was willing to cover her. This summer, a year later, Trupanion actually lowered my monthly rate. Shortly after that my vet saw on her senior wellness x-ray possible cancer and heart problems. She recommended ultrasounds to get a clearer picture, which were done & happily proved negative but still something to keep an eye on. Trupanion kept me updated about my claim for the diagnostics & quickly sent me checks, which was a huge help financially. I am very relieved that I had reliable insurance to help with this, and I would definitely recommend them.