I think Trupanion failed on my claim to be covered for Bruno's possible early renal disease. He was denied coverage even though there was no diagnosis of anything before he was insured. And he had only a slightly elevated creatinine which could have been caused by a myriad of factors. There was no pre-existing condition before he was insured. You will take your premiums, but you will make every effort to deny a claim if you think you can get away with it...no matter how tenuous the defense. In my case, you are plain and simply wrong. What good is an insurance company that tries to squirm out of legitimate claims when you need them? As a lawyer and customer, I can't endorse a company that will deny any clam they think they can get away with. It's not coverage.