Depending on your deductible, the insurance premiums are a bit high but the peace of mind is totally worth it! My cat recently had a bladder stone health scare. So far, Trupanion has covered 90% of almost everything except the deductible and office visits as promised. Knowing that, it makes it much easier to say to the vet do whatever it takes (ie. tests & surgery etc.) - regardless of how much it may cost. Plus Trupanion processed and paid my claim within about a week, no questions asked and sent emails asking how she was doing. Great experience, highly recommend and was recommended by my vet personally!