We did not have insurance for our first pet and even though she was healthy, our vet bills over 10 years of fairly minor events added up to over $3000. When we got our new dog, Kiera we knew we wanted illness/accident insurance from the beginning. Our Veterinarian suggested Trupanion and it has proven to be a great decision. Our dog stepped on a thorn and contracted a rare fungal infection of her lymph system. She required surgery, biopsies, multiple anti-fungal medications, Veterinary Internist consultations etc and each claim has been paid in a timely manor. Kiera was admitted to the Ontario Veterinary College earlier this year and they did direct billing to Trupanion on our behalf - we were told that OVC only offers that service for owners who have Trupanion insurance! We have been able to pursue the best care and treatment for Kiera with the peace of mind knowing that Trupanion is there for us! She is now doing well on oral medication that costs over $700/month. Needless to say, this probably would not be the case without Trupanion. We can't say enough good things about their product and service.