I never had insurance on a pet before but this was a dog rescue/adoption who came with a 30 day policy. I choose to continue the coverage and it turned out to be a good decision. My dog had gotten into an aspirin bottle and the vet allowed me to bring him over right away. I was lucky in that my vet put in the claim for me. I paid the deductible and the vet and Trupanion handled everything else. It was so nice that everything was handled for me as it was a very scary day for me. The bill might have been low compared to these other claims but the important thing is that the vet said that if my dog needed further follow up treatment, it was covered. I have heard of vet bills costing $5,000 & up for surgery, etc. so I definitely plan to keep my dog insured and certainly with Trupanion who came through for me. I would and have recommended Trupanion to other pet owners.