I have had several pet insurance companies, we have a large fur family, & Trupanion is simply the best! All our babies are now protected by them! We will never use another. Thank goodness we had this Trupanion coverage when our little man got ill, over $7,000 in bills would force people to make care decisions they don't want too (not us I'd mortgage my house first) but we had Trupanion coverage so he could get the care he needed, & they paid the vet directly. Not once did they try to Nicole & dime expenses like VPI did to us. Every family needs coverage for their fur baby by Trupanion, so the scary times don't seem so hopeless!