We just spent close to 10g's on emergency surgery for our 12yr old dog. 8 months earlier a friend recommended Trupanion pet insurance. I'd heard plenty of stories about pet insurance, so I bought it for $52/month with VERY low expectations of reimbursement if something actually went wrong. But, much to my surprise, this company has been AMAZING. The checks have been coming in, and it looks as if after the $1000 deductible we're getting 90% back. Why can't human insurance work this way? Anyway, it's a great company and I'm a client for life.