Trupanion is far and away the best pet insurance I have ever had. They pay 90% of claims, excluding only examinations. The have no schedule of benefits and do not exclude breed specific conditions, and they cover hip dysplasia. The claims process is amazing. Fax the itemized receipt along with a completed and signed Trupanion form; for additional related claims, fill out only two lines at the top of the form. Processing is often done the same day!. Checks arrive within 2 weeks. Trupanion rocks!