I have two of my dogs insured with Trupanion and have been very happy ! Jesse came to us as a pup, she was spayed at approximately 6 months old. Did you know that 1 out of 250 dogs will develop incontinence after being spayed or neutered ? I didn't !!! Well my poor Jesse was that one. Trupanion was there for us ! No questions asked ! Every couple of months I get her meds (that she has to take twice a day) I submit the receipt and its reimbursed ! Trupanion is awesome ! Reimbursements are quick, response time on my submission is super fast and their customer service is top notch ! This is one decision I made that I am very thankful for ! Thank you Trupanion !