I am very impressed with Trupanion. When we first adopted our Yorkie, Tiny, 3.5 years ago, he came with a month of free insurance. Within a month we noticed a tiny was having problems with his hip. The breeder offered to take him back and send us a new puppy, but we were too attached after just one month. We continued to keep the Trupanion coverage and within the first six months receive the benefit of over $1800 towards surgery cost. There was never any questions or problems. Just recently our little boy had seizures so we had to take him to the vet - after $300 in bloodwork we have an answer. He'll be okay. Our vet submitted the paperwork to Trupanion at noon yesterday and by 8pm I had confirmation of payment! That is first class treatment!!