I can't say more of this company !!! I had JUST APPLIED for insurance for my two dogs and this company was the easiest and really most affordable. I was thrilled. Just 2 weeks later my wonderful dog Virgil was shot by one of our neighbors (nope we don't live in the wild west!!) We live in the Hamptons (WHAT ???) Anyway when we brought Virgil in he was in critical condition and no doubt we were gonna' have a HUGE bill-if he even lived. After 5 days in critical he was ready to come home. He was almost a miracle-they had to remove 2 lungs and then sew him back up. I then sent the bill to Trupanion thinking that they would turn us down-It should be covered but you know how the USUAL insurances work-find a small loophole… I was sooo thankful when the check arrived. Now we had some reward money to try to find out who shot Virgil ! They worked so quickly I was astonished. Now they sent an E-mail to see how Virgil was. I can't say enough good things about Trupanion. Choose this one.