When I bought my new puppy to the vet, she recommended Trupanion. The first month was free and they would cover any problems after I signed up. This was seriously the best recommendation I have received financially. After about two months, it was obvious that something was wrong with our puppy. After extensive tests and a specialist visit, it was determined that our baby had a liver shunt. He was eight months old and was the size of an eight week old puppy. The testing, surgery, follow up etc. cost over $5000. Trupanion paid 90% of it. I had only paid three months of premiums at $31.00 each month and they still paid for it. Within two months of returning home, the little guy had a freak accident in the yard and broke his leg. Of course, he required surgery. Guess what? Trupanion shelled out another $1200+. I thought for sure they would cancel us, but they have not. The service is second to none. I receive a check within two weeks of submitting a claim. I would highly recommend this company ( I already do to everyone). Even if my dog never has another problem, I will keep this insurance because I have never had a better dealing with an insurance carrier whether it be medical, dental, auto, home, etc.