I have had many pets over the year, and paid huge bill when something went wrong. When I got a new puppy in July, I took advantage of a month of Trupanion from my vet. Within two weeks the pup had worms, and Trupanion paid 90% without batting an eye. I was sold, and continied the coverage. I also insured my six year old cat. After New years, my dog became very ill. He require multiple x-rays and Ultra sounds. Trupanion paid quickly, and even called to see how he was doing. I'm a fan!