I had adopted a dog and signed up for the one month free trial with Trupanion. My dog got into something toxic and we had to rush him to the vet. Trupanion paid the claim, minus the deductable and office visit the next day! I had a rep call and follow up with my dog, explained coverage and I continued the policy for both of my dogs. Best money ever spent as far as pet insurance. This is a great company.