We have been with Trupanion for the last two years with our three dogs which has been costing us 325.00 a month. We have had 7-8 problems with the dogs since being with Trupanion and they have wesseled out of every claim possible with every excuse in the book. The latest one is a claim pre approval was for a cruciate tear. Their excuse is they don't cover it because it happened in the other leg. We all know insurance is just another name for scam artist, but at least with car insurance they take the deductable, pay the claim and raise rates, not supply expensive rates, claim 90% paid on all claims and then come up with every excuse and disclaimer possible to get out of paying.
I would not recommend this company to anyone unless you have money to waste.