After being financially devastated by my old dog's chronic illnesses, I researched pet insurance for the young dogs and kittens. Trupanion got a lot of really good reviews, so I went with them. In the three years I've had this insurance, the monthly fees have more than doubled per pet (the original $23 per month is now $50 each for my dogs). I've made two claims in the last year, and in both cases, the insurance check came nowhere near the 90% they claim they pay. If your animal is injured or sick and you bring him into the vet for treatment, Trupanion doesn't pay for the examination of the injured/sick pet. So if your bill is $100 and $50 of it was for the examination, you're only going to get 90% of $50, not the full amount you paid. In their defense, Trupanion did state they don't pay examination fees in their policy (which I missed in the small print), but with the doubled monthly fees, I am finding this insurance not all it's cracked up to be.