My little dog, 8lbs, has had THE WORST LUCK in the last 5 1/2 months. She has had: an ulcer, a severe cough, pneumonia, ear infections, a diagnosis of collapsing trachea, chronic bronchitis (plus a chronic cough), a bone lodged in her throat and now, this week she has a parasite (we are waiting to see if the lab confirms giardia). TRUPANION has been WONDERFUL. They've been quick to pay claims, they have been clear about covered and uncovered portions of claims, the 90% coverage cannot be beat and their staff are kind, caring and incredibly helpful. I switched to Trupanion about a year before this poor pup's luck turned for the worse and I am so glad that I did. I suggest everyone consider Trupanion for their cherished pets. Hard to beat their service or claim coverage.