Trupanion Insurance is the first company I have used for pet insurance. It was recommended by my vet when I got my current dog. I never had insurance on my previous 5 dogs and spent thousands of dollars on various injuries and illnesses over the years. I was skeptical about getting insurance because it seemed quite expensive. For my dog, it's about $50 per month...$600 per year. If my dog's expected life span is 10 years, I'll pay about $6000 in premiums over his lifetime. One hospital stay and surgery to remove a corn cob or sock that was eaten by the dog costs around $5000. So I decided to get insurance and chose Trupanion.
My last claim was processed in less than 2 weeks. Even though I've only had the insurance for about 5 years, they have paid me a lot more than I've paid them. I highly recommend Trupanion. The coverage I have does not cover preventive care or office visits. What it does cover is the emergency surgery on a holiday weekend.