When I got my puppy I wanted pet insurance. My prior dog had died of cancer so I knew that pretty much anything medically you could do for a human you could do for a dog. Put in a similar situation,I did not want to have to make medical decisions based on my ability to pay for care. Enter pet insurance. It is not cheap to have but it is a great safety net. My vet recommended Trupanion based on her experience with pet insurance companies.That influenced my choice but I also did a lot of independent research before deciding on Trupanion. I could not be happier with Trupanion. They have covered illness and accidents (life with a busy puppy). Any time I have called with a question there has been a knowledgeable person on the other end of the phone line. One time they rejected a claim. My vet wrote an appeal explaining why their analysis was incorrect. The claim was reviewed and they accepted the claim. I recommend Trupanion with no reservations.