Having trupanion insurance saved me from spending over 500 dollars. My Pepper was very ill with diarrhea and she kept vomiting. I went to her vet that took care of her with care and love. They treated her as if it was their own puppy of their family. The West Olympia Animal Hospital called the trupanion and this insurance was able to cover 90 percent of the cost. Which I only had to pay $24.05 that the insurance was not going to cover. To not have to pay out of pocket $500 was a relief of joy and I was able to breath that baby Pepper was going to get the care she needed immediately . I believe if you can afford pet insurance join with this insurance.