Everyone told us pet insurance was a waste of money. After a few years of vet's bills, however, we decided that the peace of mind was worth a few dollars each month to avoid the possibility of an excruciating decision down the road. Trupanion was one of several companies we considered. We have been completely satisfied with them; I only wish our other insurance companies were so responsive, service oriented, and reasonable. Our beagle is now almost 7 years old and was diagnosed with Cushing's disease about a year ago. Trupanion didn't blink; they have met all the responsibilities they committed to meet quickly and accurately. And they haven't jacked up our premiums to the hilt as a result of regular claims. A first-rate company. We couldn't be more pleased.