I have been so happy with Trupanion ! Whenever I have a claim they are sympathetic and kind and process everything directly with my vet or with me , and always keep me informed . The premiums may seem high , but the quality of this coverage is unbeatable . I wish we never had any claims or vet emergency trips , but accidents and illnesses happen and we are confident our animals will get the best treatment out there . I have the coverage for the my two dogs and one cat !