I love the people at Trupanion. They are all pet lovers and genuiney concerned about or dog, TJ. The only problem is if you have a pet that does not use it very often, you would be better off taking the money you would spend on insurance and putting it in a savings account to use for your pet when needed. There have been a few times that we filed a claim and got back less than we paid for our monthly premium, meaning we would have been better off without it. On the other hand, TJ recently needed surgery and without Trupanion, we would not have been able to afford it. We are happy with Trupanion overall.