I love Trupanion. I have a young Irish Setter that was diagnosed with IBS when she was about 7 months old. Lots of tests, special foods, very expensive. Trupanion covered at 90% on Vet bills and 50% on food. I'd turn a claim in on a Monday and usually I'd be reimbursed by Friday....their CS folks are friendly and helpful...I had VPI before but never understood what I'd be reimbursed...Trupanion is easy 90% on a non wellness visit. Simple, quick and easy to do business with...a 10 and I tell all my friends!!!