I was always skeptical of pet insurance. I found Trupanion hoping that I would never have to use it but unfortunately I did. My boy has cancer. They have been more than accommodating, lovely on the phone and via e-mail, pay for what they say they will, and the reimbursement is immediate. I am so thankful for Trupanion! I can't say enough positive things about them. All I can say Thank you! Thank you! Thank you!