Trupanion has been great! They are very straight forward & quick with claims. Customer service is excellent! I tried VPI before this for about 6 months & had a very difficult time with claims & sorting through all the fine print of what is not covered, etc. Claims took a long time & the process just wasn't very clear. Trupanion has been the complete opposite! And they have flexible monthly options by adjusting deductible amounts, so you can find something that fits your budget. I don't find the need to get the maintenance packages (shots, regular dental) since my vet already has package deals for those. But for the unforeseen accidents & major illnesses, this has been so worth it for me & my 3 dogs... definitely an added peace of mind!