My previous dog had numerous health issues so when I got a new dog I took out medical insurance,Trupanion was a good choice! My new havanese puppy "Muffin" lost her tear production after a year old,Muffin is doing good now but will be on medications the rest of her life that are epensive.I have 90 percent coverage of her meds that Trupanion pays qickly! Also Muffin got a severe skin infection that her regular Vet could not treat.Muffin needed a specialist and a 950.00 surgery to biopsy her lesions and test for cancer!Thank goodness they were benign and now she is recovering on new meds! Trupanion paid 90 percent of her bills in just a week! Very helpful and nice people to do business with!