I discovered that Trupanion doesn't cover a vet visit unless the vet DOES something like take blood or give medicine. So, when my dog started yelping and was unable to walk in the park, the visit to the vet was not paid because the vet found nothing wrong and the dog was no longer yelping. They ignored that the vet spent a good deal of time checking my dog over from head to foot to be sure.
Then they refused to pay for allergies even though no allergies have been found. The records indicated that an ear infection COULD BE a seasonal allergy so now they wont pay for any allergic conditions.
In fact, they've only paid for a crisis situation when the dog suddenly started vomiting and became dehydrated and we didn't know why.
This seems to be emergency only insurance although it's not supposed to be.