We have 2 dogs with TruPanion and lost one to bone cancer this past few months. She went quick and it was devastating We received almost all of our money back and the Reps. took care of everything for us. They are the most caring individuals there are. The customer service is outstanding. I was grieving so much at the time, I didn't know what to do first. The ladies I dealt with are more than reps. They are special counselors as well. I received 2 sympathy cards from each person I talked to. TruPanion will always have our business!