We cover all basic expenses such as vaccines, fleas & worms. We cover doctor fees. -But, Insurance is good to have for things that you do not predict. Such as Cancer. Trupanion is great because they good for what they say. They do cover in a situation of crisis. The only thing I dont' like is that I think my dog's file has opinions and comments written on there. I know that because the way customer service acts. I think they should be taken off because they do not have anything to do with the service or product Trupanion sells. Nor does it have anything to do with the payment Trupanion requires. In a nutshell, cs or anyone's opinion should be kept to themselves - we are doing business with the service- no comments needed or opinions needed to swing things - The opinions makes the product look not to its best standards. It's like a medical facility where staff is not focused on the terminally ill - but, focused on influences or opinions about the patient. It makes the medical service look cheap.