Trupanion is definitely one of the more expensive insurances on the market- however - you get what you pay for! I added the alternative therapy rider to my German Shepherd's plan and when he hurt his shoulder my claim was paid out without any additional questions asked - from 2 different vets for the one injury. What would have cost me nearly $1300 was a lot less. I am able to get my dog the care he needs to heal. In this case, it was cold laser therapy. And I can take my insurance overseas with me for our next duty station.