My vet recommended we check out Trupanion, wish I never did. After paying premiums that were VERY expensive compared to others out there, they DENIED my claim after weeks of going back and forth saying they needed more paperwork, that they never got the records my vet sent even though they sent it THREE TIMES.
The customer service agents I spoke to were rude and not very knowledgeable or helpful. Everyone I spoke with told me something else. They were looking for reasons to not may my claim, just because my baby had a reaction to some food we tried last year, now they won't pay anything because he just has allergies according to them! Waste of money!