I'm very skeptical of insurance companies because of the potential for "fine print" exclusions but Trupanion has completely won us over with their clear and simple policy. This also being our first dog I didn't know what to expect but I'm extremely happy with our decision to go with Trupanion.
They've been very helpful whenever we called. You can tell their agents are pet owners and care for the well being of your pet.
Our complex and expensive claim was handled within 2 weeks and our annual rate increased only a few dollars. The rates are based off of all the claims for your specific breed in your area but I'd wager our claim was amongst the highest this year so going up a few dollars wasn't unexpected and we feel was reasonable.
The fact that they cover 90% of any unexpected procedure (less the deductible and office visit) truly helps us sleep better at night and that's worth a lot more than the monthly premium to us.
Entlebuch Mountain Dog