Trupanion was a free trial when we first got our puppy. She is a basset hound. Little did we know we would be needing to use this insurance as soon as we did. Sara had 8 extra teeth that needed to be removed to allow room for her regular teeth to grow in properly. Trupanion was there to pay for the special Vet Dentist to do the surgery. She also has stomach problems and we are constonatly putting her on medication for that and special food to try and figure out what is causing it. Again Trupanion was there to help us through this time. Sara is only 8 months old and if we had to pay for all the medical bills so far ourselves it would be close to $5000.00 but Trupanion has been by our side helping us and caring about Sara as much as us. I would recommend this insurance for any new pet owner. They are so fast at sending the reimbursement or paying the vet which ever the case may be.