Our dog has been dealing with allergies that cause her to itch uncontrollably and during the course of treatment she has reacted to the medications on more than one occasion. Trupanion has paid all claims promptly and has not denied anything, including reactions to treatment. I wish they would cover the visit fee at the emergency animal hospital, but I understand that there are limits. I do very much appreciate the once per condition deductible, so we have only paid the deductible once for all of her allergy treatments. I very much recommend trupanion if you are looking for pet insurance.