I have a two year old Norwich Terrier and although I've had other dogs, this is the first time I've had pet insurance. I did a lot of research on this site and other places and decided that Trupanion seemed to be the best option for me and my dog. I joined the plan when my dog was about six months old.
We have just had our first major health issue and my first claim with Trupanion. My dog had a Sunday visit to an emergency clinic followed by treatment at my regular vet, including surgery for bladder stones. Filing the claim was easy and my vet had experience with Trupanion and assured me that their clients had had good response from the company. I received prompt, clear and frequent communication by email from Trupanion and after my claim was reviewed was told that everything would be covered according to my plan and that I'd receive a check shortly -- which I did within several days. Trupanion paid 90% of all of the charges at both the emergency clinic and my vet, aside from the basic exam fees and my $100 deductible.
It was exactly as promised, with no hassles and terrific customer service. I could not be more pleased and impressed with Trupanion. I am a believer in pet insurance and encourage everyone to carefully consider getting coverage. it is not meant for the usual small things that come up -- the $100 to $300 typical wellness or minor illness visits. But when you are faced with $2,500 or more for surgery, tests and so forth, it is very comforting