I decided to get pet insurance for my yorkie last year at the age of 7. At that time I researched my options and Trupanion seemed like the best one. They had no lifetime or yearly maximum payouts and they seemed to cover everything except pre-existing conditions (no company I found covers these). Well the proof is in the pudding. This year my yorkie was diagnosed with IBD and protein losing enteropathy. His case has been a difficult one to treat and the bills have been pouring in. Trupanion has been great in reimbursing me quickly and they do cover almost all of it at 90%, just as the contract says! Without Trupanion, on top of worrying about my dog's health, I'd also be worrying about how to pay all the bills. Their customer service is fantastic and they truly do care about and love the animals they insure!