Due to an unfortunate illness in our previous dog that we could not afford to maintain treatment for, we decided to invest in insurance for our current dog - before we needed it. As luck would have it, we DID need insurance. Our current dog required emergency surgery on his spine when he was 6 and has required maintenence ever since (2.5 years so far). If we didn't have Trupanion, we would have struggled to cover the expence. During our most recent claim Trupanion even noted that we can claim 50% off his perscription food. Something we didn't realize and hadn't asked for, but I'm grateful to know! I highly recommend Trupanion.