I was sold a insurance policy that in my opinion had or has no intention of paying claims. I brought my dog in for allergies and would not of because I did not have the money to cover the bill. I pay $70.00 a month to trupanion they in turn went back and found anything they could to deny claim. That was the last straw I spent hundreds of dollars on this insurance and not one of the three claims did they pay anything. In my opion all three should have been covered it's crazy that they twist anything to not pay. When I called them they did not care the only time this company seemed to care was signing me up. STAY AWAY!! Save your money for if you pet is needing a vet because they won't pay it anyway.