I have nothing bad to say about Trupanion! I have a very accident prone 2 year old Boxer. I purchased this insurance last year as I was sitting in the waiting room of the E.R. when my guy drank antifreeze and cost me over $4,000. It has been by far the best decision I made. We have had several injuries since then, the most recent being a severed artery needing surgery! Now, my dog loves to injure himself after hours so these all end up being costly E.R. bills and I must say I am very satisfied with my timely reimbursement and customer service. Plus with these economic times every little bit helps, we could be getting nothing back.