I have insured my pets previously through another company. I insured my older pet (11) through Trupanion. She has since unfortunately been diagnosed with lymphoma. I was concerned that I would have trouble getting help in reimbursement as she is older. I had NO difficulties AT ALL. They certified that this was not a pre-existing condition, readily communicated with both my regular vet and the oncologist. Every phone call I've placed has been answered by a knowledgeable, kind customer service rep.I am honestly so grateful to have signed up with this company. I am a dog lover, and forsee myself insuring future pets with them as well. Well worth the investment.