We chose to insure our youngest most active dog during his last physical when it was offered as an option with our local vet. We were told that if we chose the zero deductable option all diagnostic vet visits would be covered at 100%. 3 or 4 months later our active 3 year old golden/lab cross came up lame and wouldn't even go up the stairs. We went to the vets the next day and true to their word, Truepanion covered vet visit exam and 90% of all other costs. What was an $1100+ bill had a cost to us of ~$90+. We didn't even need to submit a claim and wait for payment. It was ll done at the vets and we wrote the easier to stomach check of ~$90 instead of the much larger check had we no insurance. Thank you Trupanion for helping out our dog and saving our family financial hardship.