This is our first experience with pet insurance and after a year and a half, it has performed exactly as advertised. The agents are friendly and helpful, and once the deductible is met, claim payments are sent out quickly. I truly hope that I will go on paying the premiums for many years, and that I will have no reason to file a more claims, but it is nice to know that if something serious comes up, Trupanion will have our back.