I decided to invest in pet insurance with my new pup after spending a lot of money on my pets in their elder years. I did it solely as a preventative measure for the future, not anticipating I would need to call on it when Dakota was only 1.5 years old.
Dakota tore both her ACLs and needed TPLO (knee surgery) for both. The operation for each knee was to be over $3500. My first thought was honestly, "ok, good, I have insurance for her, but I am sure I am going to get screwed somehow with trying to claim both surgeries." The thought based on how difficult it has been with Human insurance, why would pet be any different?
Trupanion blew my perception out of the water. Not only did they cover 90% of both surgeries, they made it incredibly easy to make the claim and I received consistent communication from them via email as to where my claim was in the process. And all wrapped up within 2 weeks (including check in hand). Plus, any time I did talk to a representative, they were beyond friendly and helpful.
I have been recommending them to friends ever since (plus my vet)... She's a new dog to come (still healing) and set to be healthier than before the surgery. And I am not paying off my credit cards for the next couple years!