I recently took my 2 year old cat, Sirus, to the vet for a skin problem. During his physical examination, it was discovered that he had developed a heart murmur since his last exam. A blood test specific for feline hypertrophic cardiomyopathy was performed, which came back abnormal, so a cardiac ultrasound was performed (under sedation, due to his aggressiveness), which thankfully showed no HCM. Once again, Trupanion came through for us! They promptly paid 90% of the submitted charges after reviewing the documentation. I have used other pet insurance companies over the years, and so far Trupanion has been the best!