Monty found us late last summer. He was just a little kitty but he had a wonderful temperment. Since I already had two cats, I was a little leary of taking in a new "free" kitty. However, he wouldn't take no for an answer. We noticed that his paw was swollen and he was limping. I took him into my vet and had him treated. The Cat Clinic North urged me to think about insurance for him. I had never taken out pet insurance in the past and I had delt with some extensive vet bills in my time so I gave Trupanion a try. Then Monty developed some skin problems. It is worth every penny I have spent on premiums. They work closely with my vet, my vet has helped me out with every claim and I was delighted to get reimbursed for over $1,200 quickly and without any hassles. I can't praise this service enough.