I don't even know where to begin, I was skeptical when I got the insurance, never thought I would need it!! Until that fateful time my dog had a severe reaction to his shots ;(. A 5 hour trip to the specialist, many many tests and scans and meds and checkups later.....trupanion was there!! 100%, no questions asked, no fighting, arguing, just the concern for my pets well being!! I don't know what we would have done financially without them!! I tells everyone about trupanion!!! Anyone who has a pet needs to have trupanion!! You never knows when something is going to happen and for a small amount a month you can be prepared for the worst! The direct billing is amazing and claims are processed super fast!! I LOVES TRUPANION!!!!