Pet insurance has come a long way! Years ago, I tried it and discontinued it, as it didn't seem to cover anything. My vet recommended Trupanion, and I decided to enroll my golden retriever puppy. He developed a chronic problem with his ears, shaking his head, etc., which led to multiple doctor visits and various meds. They even had to put him under anesthesia and take some xrays. After I met my deductible, Trupanion has paid all claims as they said they would, and I couldn't be happier with their service. My vet is electronically linked to them, so claims are filed and responded to before I even pay my bill. So I don't have to wait to be reimbursed. I think Trupanion is wonderful, and I recommend them without reservation!