Trupanion works closely with our veterinary office, Baring Blvd. Vet in Sparks, NV. This recent episode was over $1,000+. What a crisis we would have faced financially in addition to the emotional upset of Plexy's illness if we had not had insurance for her. Because Trupanion and our vet work closely together, our vet accepts our portion of the payment from us and gets the rest of the payment directly from Trupanion. This is HUGE for us!