I got Trupanion when Zorro first came home and have never doubted that choice or decision or what it has cost me each month it has provided me in reassurance a million times over making it worth every penny. I love being able to get advance approval for those non emergency incidents and have never had a request denied, or questioned. The process for claim is easy and the payments come so quickly. I have friends who where insured with another company and wait months for payment on claims, oh no I dont think so. Never more than a week with any claim Ive filed with Trupanion. The peace of mind is worth every penny, and the knowledge that no matter what happens the decision I make will not have to be focused on the bottom line!!