My dog came enrolled n Trupanion when I adopted her. I paid for really great no deductible coverage. After 8 months with the dog, I submitted 1 claim. It was denied because they claimed there was a lapse in my coverage. When I was able to rove there wasnt they reevaluated and denied because they had incorrect dates in their system. When I appealed again, they found a 3rd reason to deny the claim. They had no interest in paying my claim and it was very obvious. BTW, the claim payment would have been less than $50. If they give s much trouble over something that is less than my monthly premium payment, I cant even imagine what we would go through if there was a bigger problem.