First, I should say that I am a veterinarian. I have pet insurance because while I can provide most of the care for my pet even I need the help of specialists at times. This time my little guy tore both his cruciate ligaments and needed to see a surgeon to correct the problem. His surgery went great and Trupanion responded very quickly to my claim. I see a wide variety of insurance claims from clients and I chose Trupanion because of the extent of coverage they offer and their great client service.