Our dog was just diagnosed with cancer. Happened very quickly, thought at first to be renal but after pathology confirmed to be sarcoma. I have had Trupanion for about 5 yrs or so. After a couple of yrs the rates went up and I was going to cancel, thinking well the premiums will come out to be the same as the cost of an illness. Well I never cancelled and sooo glad I didn't. Over 3 days we had to pay about $6000 for tests, admission to critical hosp, surgery, ICU, meds Drs fees etc. Trupanion was great. I called to be sure we were covered & they were very caring and helped immensely. Knowing we did not have to decide on care based on money really helped to focus on our dog. We submitted our papers for her care and within a week had reimbursement- amazing. We also were advised to have a pre-approval done for chemotherapy, should she need it. We did & received the quote very quickly as well. For anyone thinking of getting Trupanion, or stopping it , believe me, it is a life saver. Can't say enough about them, they helped us through a very emotional time with our Corgi & will praise them always. Thank you Trupanion!