We realized early on that we would pretty much sell our house and everything we owned to help our dog, Joy Boy, if he ever got sick. So, we got Trupanion when he was a pup. Seven years later he got Lymphoma. The doctor told us it was going to cost $20K to fight it. We didn't bat an eye. We said let's do everything we can. Trupanion has been great. We submit the paid bill they write us a check for 90%. I will never not have pet insurance again.