I said that when I got a new puppy I would get insurance. Working in the veterinary field I know that with all the technology and diagnostics available to pet owners it would be a wise decision. I have not been disappointed with Trupanion's customer service, their payment and claim processing is prompt and timely. I have them pay my veterinarian directly and there has been no delay there either. Two thumbs up! The one downside is the fluctuation in premiums, after about three years of coverage my premiums are about 15% higher than at inception.