I never believed in pet insurance because & heard such horror stories about it. A friend of mine did some research & talked me into getting Trupanion. I picked my own deductable which made my premiums affordable. I only had the insurance for 5 months or so when my Pom injured her patella. I submitted a pre-approval claim with all the information they required, & they got back to me in a day or so & approved an estimate of $3184.00. I had the surgery, submitted the final invoice & had the check in a week or two. I was amazed. Trupanion made a believer out of me!! In the future, I will insure every dog I have, but only with Trupanion. I know I probably sound like a commercial for the company, but my experience was that good!!