I have four of my five pets with Trupanion, and if my fifth hadn't been diagnosed with a condition I would switch her too. They respond to my emails, answer my questions and even issue my refunds very quickly (3-5 days, direct deposit). What I like even more is that its so easy to manage- no caps, no pay out limits- just 90% coverage less the exams. As a veterinary employee I strongly recommend Trupanion to my friends, family, and clients.