Awhile back I had VPI for medical. They kept raising rates and reimbursing very little. I decided to switch to Trupanion. At first with a high deducible, which we could rarely meet. We recently decided to substantially decrease the deductible; but obviously increasing the monthly premium by quite a bit. Out dog was getting older (10 years) and thought that at that age he 'might' be having more health issues. Well, just a few months after doing so he has had those 'issues'. At this point we have had well over $6,000 in vet and hospital bills. We are still in the process of his diagnosis/treatment. SO far, Trupanion has been VERY understanding and responsive. We shall see how the future goes, but at this point I only have the highest regard for Trupanion. They appear to be very compassionate and responsive. Time will tell, but at this point they have been MUCH better than the prior insurance company. Our Rocky is a miniature Schnauzer about 10 years old. He has VERY high blood pressure which the 'docs' cannot seem to lower or diagnose the cause. HOPEFULLY...this will be resolved soon. Rocky is our boy; part of our family. And this is VERY stressful times. It is good to know that we have a great insurance company who is there to help us through this medical issue. EVERY time I call Trupanion they are VERY helpful and compassionate. NOT like the other company. My suggestion...give them a shot!!