I never believed pet insurance was worth the money until my dog had to be rushed to the Pet Emergency center. When I put my three month old puppy to sleep on a Saturday night she was fine, but by morning I could see she was lethargic and I knew something was wrong. I took her immediately to the Pet Er where x-rays showed she had pneumonia . She received IV fluids, antibiotics and oxygen. The final cost including x-rays was $2,000. After my deductible I received a check from Trupanion for $1,200 within two weeks. I received several updates about my claim. It was the best decision I made to get Trupanion as soon as I brought home the puppy home.