Before we were with Trupanion, we had Pets Best. We decided to switch insurance because Pets Best had a lifetime limit for each incident of $2,500. Good thing we switched to Trupanion because two months later our 14 year old dog was diagnosed with Cancer. Initially there was some confusion as to whether or not the condition was a pre-existing condition but after our vet sent a letter, Trupanion covered 90% of our dog's $6,500 cancer bill (after a $200 deductible). And, if the cancer recurs, they will pay for her treatment again! We were very blessed to find Trupanion.