I have owned labrador retrievers a long time and had another pet insurance that really did not pay for anything as they said it was "pre-existing" ... ugh.. I thought all pet insurance plans were like then and stayed away from them. Then we got two more lab puppies and my hubusand was told that Trupanion was a good insurance. While a bit skeptical, we decided to get it anyway. When my black lab, who at one of year of age, started to limp, and found out that she needed TPLO surgery, I so happy to have pet insurance. The surgery alone is well over $3,500. Trupanion paid 90% of that. And they processed the claim better than my health care company. Trupanion has awesome people working the phone & email. I can't say enough about how happy I am with Trupanion. If you have an animal, it's the best gift you can buy your pet to know that when a illness or injury happens, you won't hesitate to get everything done on your baby, because you have Trupanion!