I love Trupanion and I recommend for this company for pet insurance. An insurance company reveals their true character when its time to file a claim. Unfortunately, I had to file some claims but Trupanion provides me peace of mind and takes away the financial stress. My last claim I paid a co-pay since they agreed to pay my vet directly. That gives me the freedom to make decisions on what is best for my dog. Whoever you get don't wait insurance.