We've had Trupanion insurance for several years for one of our other dogs, and they were wonderful when he needed surgery, so we added our lab puppy to our policy. Two weeks later, he broke a weight-bearing toe while running in our yard. Trupanion is a great insurer - their representatives are always friendly, polite and knowledgeable. The turn-around between submitting a claim and receiving payment is short. I have been very happy with them. The only suggestion I would have for them is that they should cover the vet examination fee for things that need rechecking, like a broken bone. For some reason, they don't cover that. In all other respects, they are wonderful, and I recommend them without reservation.