I've paid over three thousand dollars in insurance premiums over the four years of my dog's life. I've also paid over $3,800.00 dollars in vet/pharmacy bills for my dog (not to mention the special food he requires). Trupanion has reimbursed me for less than $200.00 of this. They have managed to weasel out of almost every claim I've made. I can't imagine what they actually WOULD cover under my policy. The worst part about it is that I have no recourse. They police themselves and there are no regulatory agencies looking after this industry. I would have been much better off without pet insurance.