We absolutely love Trupanion. Our vet reccomended we get the insurance for the first couple years until we rule out any huge health issues, plus small dogs seems to have more accidents, illnesses, etc. After a few "wobbly dog" episodes, we found out that our little Rambo was actually experiencing ataxia post seizure- fresh blood was getting to his brain as he had a liver shunt. Which means, that a vein is bypassing his liver which in turn circulates toxic blood. The operation cost $1800 and we only paid $200 in the end, and his special food post operation is 50% covered. We are so grateful!