We are extremely pleased with our Trupanion policy. The staff are knowledgeable, empathetic, and efficient. Our claims for Izzy's care have been handled in a very timely manner. We believe pet insurance is a must. Izzy had a mass on her spleen. She was very sick last July (2014) and needed specialty care. During a followup visit the ultrasound showed that the mass was darker in color and surgery was needed. We have a happy pup today.