After my pupy's first surgery to remove a corn cob from his intestine and the $3,000 bill that came with it I decided I needed pet insurance. My cousin is a vet tech and reccomended trupanion as one of the insurances that pay out the most. In the first 2 months of having the insurance it has payed for itself. Within that time I had to bring my puppy back to the vet for two different illness related reasons, both accumulating to over $1,500, and with 90% coverage and a zero deductable on my plan the visits were more affordable than had I not had the insurance. After Filling my claim I recieved my reinburstment checks within 2 and half weeks. Overall I would say I am very satisfied with Trupanion. The only draw back that I see to this pet insurance company is they do not cover the fee of the vet seeing the dog. Which in my opinon should be covered if it is part of the illness or injury and can be costly on its own.