This company was not all it cracked up to be. I thought I did my research. I should have know that a lot of raved reviews meant that the bad ones were taken off. I sent my claims and they catagorized my pet condition as a 'pre-existig' condition. We had no idea about our pet's condition and it had never been diagnosed to us. But they sure did wizzle out of paying the claim. Beware of Trupanion. My understanding is that if a certain dog comes with certain genectic concerns it is easy for them to say that it was a pre-existing condition. My dog is a shepherd and is only two years old and they commonly have displasia of arm or elbow. We purchased her and there was no such problem with her. Yet, Trupanion argues that it was a 'pre-existing' condition. I learn...stay away from this company.