Just try and file a claim with them. they are quick to take your money but when it comes time to pay out they dont. My cat had dental surgery which they claim to cover. So we filed our claim three weeks ago dint hear anything, so we called them. They said that a vet we had used three years prior to getting their coverage wont respond to their request for pet history and that they would not pay until this vet comply with their request. I have no leverage to force this vet to send trupanion anything. What a great out for them. They have revieved the last hundred dollars im eer going to give them. My guess is that they take your money but when you need them they dont pay out figuring that you will get mad and just move on. What a scam company. If you still feel like giving this company any money with the expectation that they will pay then you deserve to get stiffed. I wish I had read a review like this three years ago Id have over three thousand more dollars in the bank right now.