If you have ever had a puppy, you know that first year can be an expensive one! Our little Berner girl had so many illnesses that first year. Luckily, I had Trupanion from before I even brought her home. If I had a question, I could email or pick up the phone. The phone staff is incredibly friendly and helpful... no matter how many times I call! They will walk you through anything. If I have a claim, I can email the form in, or mail it, or... best of all, my vet will file it for me! And it never takes long to get a notice that the check is in the mail. I love the flexibility of choosing my own deductible. I have a $0 deductible because you never know when an emergency will occur and I never want to be in a position when I have to decide I can't afford to treat my dog! Sometimes vet bills run into the thousands of dollars... why take the chance? I would rather pay a few dollars more a month. I will say that my rates did go up for year two and three, but I just got a notice that the rates will not go up this year! Over the lifetime of a dog, the rates are still reasonable and the savings definitely make it worth it!
Bernese Mountain Dog