I can only say that it has been the best decision I have made once i got my first puppy. I almost let it go by. Trupanion has helped my puppy get what he needs medical speaking and has saved my wallet. Claims have been fast and explanations clear of what was covered and not. Let me just say theres been more than one claim submitted and all a success the representative even calmed me down not to worry about what my puppy was going thru the first time i used it.Thank you for helping my puppy.