While it may seem a costly item for your pet(s), yet it is worth every penny. Responsible pet lovers will always have vet bills whether routine or emergency. It is a relief to know, especially for those extraordinary events, insurance coverage will be there to make every decision based on health and not cost. We've had both large and small claims on our 2 dogs. Trupanion has been easy, accommodating, and fast with the claims process. I cannot recommend Trupanion enough for every pet parent.