I was skeptical when I read that Trupsnion would cover 90% of all medical costs. I read the plan in full and decided to sign up. I started immediately when I got my puppy and I amVERY thankful I did. Just after his first birthday, he got a hold of a highly toxic medication. The bills added up quick. We ended up with over $3000 in medical bills. Trupanion came through. No questions asked, they covered exactly what they said they would. I HIGHLY recommend Trupanion. 90% coverage is huge! Read carefully though to understand what us covered (no pre-existing conditions, initial consults...) Even the Trupanion staff was kind and helpful.