Trupanion is a scam that and we found this out the hard (and expensive) way. Trupanion's policy has a $500 deductible PER CONDITION, not per year. Our dog had a series of unfortunate events all at once, and after paying thousand of dollars in vet bills, we got about $150 reimbursed from Trupanion. It would have been cheaper to pay the vet bills WITHOUT Trupanion's monthly insurance fees on top of it. Scam, I say! Scam! We are switching pet insurance companies at the first chance we get.