My Vet. told me Trupanion was the best pet insurance company , so I signed up both my dogs , (the other a Chocolate Lab).It has been one of the best investments , I have made . So far they seem to be on top of things , & fair in most situations . I would highly recommend them to everyone whom has a pet . It seems like Vet. costs are very similar to human medical . Without it I may have had to put one or both down .