Well, I was in doubt when I signed up for trupanion pet insurance. My friends told me all pet insurance is a lie. They don't pay for anything! I was skeptical but I thoug let's try it. My OLAF had to have surgery afterwards. First claim was delayed for 10 days as they told me it's because its the first one and they were up to their word. OLAF needed medical attention for about two months after the surgery. Trupanion paid very quickly and OLAF is doing fine now. If it wasn't for them, I wouldv given him away cus I can't afford all the expenses. They're great. I just hope they would pay for the exams of eligible medical issues. I'm not asking them to pay for all exams but rather for the exam of the case they're pay for. This would be wonderful. Thank you Trupanion!