I was one that always in the back of my mind questioned having pet insurance as it was something I paid each month and never used. Recently my 8 year old dog became very sick (almost overnight). He went from what I saw as a healthy, energetic dog to one that required 24 hour care. Trupanion was there when I and my dog were under tremendous stress. I cannot say enough good about them. Claims were submitted and approved immediately (no questions asked). Quite frankly, I would not own another pet without this insurance. I have since recommended this company to many that walk their dogs with me. Hopefully they listen to what I have said.