We recently had a problem due to our dog Oscar having eaten something that he shouldn't have. He became very sick and we were forced to take him the the emergency vet. After 2 nights they released him (prematurely), and he began having bloody diarrhea within 24 hours after starting his medication. All in all a very bad experience.Trupanion however was a HUGE help! They immediately pre-approved his procedures, and after the bloody stool they made sure that we were comforted in knowing they would pre-approve any additional costs associated with having to take him back to the emergency vet. If we had health insurance for us humans that was HALF this good, we wouldn't want to use the public system ever again. Truly above and beyond expectations!