I love trupanion. I process my claims at the vet so I only have to pay the uncovered amount ( no waiting two weeks for a check). The customer service is exceptional. They know you when you call ( no looking for or waiting to find an account no.) and the reps are soooo courteous. I once called a and through an issue with my blue tooth got disconnected and the rep I was speaking to called back within minutes. I joke that my dog has better insurance and medical care than I do. I am very happy with the service I receive and with a puppy who gets into everything the policy has already paid for itself in my savings.