I would highly recommend Trupanion insurance for pets and do recommend to my clients and friends. (I own a pet essentials business). One year after insuring my Pekingese with Trupanion, she developed Lymphoma. Trupanion has given me the option to extend Pendi's life significantly by treating her with chemotherapy for her cancer. They have paid as stated, 90% after my deductible, excluding office visits. This adds up to a significant amount of money that I could not have spent without insurance. I have found the customer service representatives helpful and caring about solutions to any concerns that I have. I am thankful that I chose this policy vs. other companies that pay some for well visits and "some" for major illnesses. I accept well visits when I adopt a rescue but my need is for catastrophic illnesses. The only reason I didn't give them a 10/10 is that each year they DO raise their premiums more than expected and not necessarily depending upon increased veterinary care cost increase but more so due to the claims they pay out. I am still happy with the insurance and would recommend above any other pet insurance company out there today, based on my experience with Trupanion.