I have nothing but problems with Trupanion. They have denied every claim I have submitted. My vet finally had to challenge them on what right they had to say the dogs illness did not qualify? They did not renew me after 30 days, even though I had done everything I was told to do, and when I called they said, sorry, and I had to start my wait time over. I am cancelling this insurance and going to another, don't waste your money!!