I did a lot of research before choosing Trupanion. They have the highest payout at 90%. I have had them for years now on my yellow Lab, but only after he turned 8 years old did we really feel the benefits when Jack was diagnosed with cancer. I kept saying that this is why we signed up, for a life threatening and expensive problem which we hoped would never happen. Our dog is doing great 7 months later, but at the time he needed a lot of diagnostics at the Oncologist, and he got them, thanks to Trupanion.I love the back story on this company, too. Check them out. They really care,you always get a real person to talk to, they are organized and
experienced. I highly recommend Trupanion.