It was difficult to decide which pet insurance to go with as it seemed confusing with what each one offered, but decided on Trupanion when I called them to explain their service and was so kind and informative. That was for years ago and flash forward now to my ten year old dog and she need surgery for a torn ACL Again the service representative was completely informative and kind. Extremely reassuring that everything will be okay and described that they would cover 90% of what was done. Including the meds, X-rays and blood work that was done when we brought her in initially to the vet. Even though we had to front the money because our vet doesn't take reimbursement from ins. companies, their turnaround time was awesome! Thank you Trupanion for everything!