I never had pet insurance and got Trupanion for my kitten. About two years later, I'm really pleased as to how simple the claim process is. I also love that they communicate via e-mail and update you every step of the way. It was so easy and happily, they covered what they said they would. It also realize that the deductible is not yearly but per "illness." Good to know. Oh, well, but it's still worth it.