We initially took out pet insurance on our current dogs because our previous dog (a schnauzer with no insurance) had cost us a fortune in vet bills over the course of her lifetime and we didn't feel we could afford that again. Like most pet owners, our pets are members of our family and we would hate to deny them medical attention because of cost. Recently, one of our dogs has suffered from bouts of pancreatitis where she has had to be hospitalized and put on IV fluids for a couple of days at a stretch. As anyone with a pet knows, this is expensive! We submitted our claims to Trupanion and really, this could not have been looked after any better. The claims were processed right away and we had our reimbursement (90% coverage) within a few days. Their service has been exemplary and we would highly recommend them.