My dog recently had to have polyps removed from her ear, a procedure that was important lest they turned out to be malignant. The total cost of the procedure was around $700 and my insurance with Trupanion covered it completely. Owning a pet costs money and that's fine, but it's the unexpected emergencies that hurt the pocketbook. That's when having insurance with a good company like Trupanion is critical. Unlike some nightmare stories I've heard from other pet owners, Trupanion was amazingly efficient and fair in their assessment of he procedure and very quick to send a reimbursement check. This is health insurance at its best. In rating Trupanion between 1 and 10, I'd rate them 100. They're that good.