Although Trupanion doesn't cover any dr visit charges (ie the actual charge for the vet to see your pet ) and no regular things like normal shots, fecals, etc., and, of course, pre existing conditions, they cover 90% of all other treatments- no "schedules" that limit the total amount they'll cover for certain ailments, injuries, etc. You can select a deductible, so you can control the cost of the premium. Trupanion agents are friendly, responsive, and quick to pay . My pug has had serious ongoing medical issues for over 2 years, and I don't know what I would have done without Trupanion. I did a lot of research before selecting Trupanion , and it was one of the best decisions I've ever made!