I debated insurance for our male mini poodle, knowing that vet bills can be as much as MD bills. My husband was against the idea, so I did it on my own -- and am glad I did, as our puppy just had a bout of gastroenteritis -- and Trupanion payment on the vet bill more than offset the insurance costs to date. I'd researched several companies before going with Trupanion. It's not the least expensive of the carriers, but I'm very satisfied with my choice because of the coverage they will provide. In this first claim, I was pleased with their fast, efficient response, and with their customer service representative.