When I recommend Trupanion, I always caution that the Vet must be very specific about the issue as I was disappointed with my refund this past winter. Two different issues, but the VET still listed it as allergies. One visit was allergy but the next visit was infection. So I caution to be specific. YOu considered the infection as allergy related which it wasn't. I am considering cancelling my coverage and I have not enrolled my puppy yet. Waiting to see how you handle my current forms for reinbursement.