Learn from my mistake! Pet insurance was a complete waste of my money. I spent over $4100 in premiums over nearly 6 years. The one time I submitted a claim it resulted in zero reimbursement. Sure, they "covered" the claim, but little did I know that you have to pay a separate deductible for each individual ailment that your dog has, even when it is one episode of care or one injury. My dog needed 2 lumps removed from his leg and tested for skin cancer (thankfully was negative). It cost about $1300. My deductible was $500. They consider each lump to be a separate condition and so I would need to pay 2 deductibles. Honestly! Let's say your dog gets hit by a car and breaks more than one bone in its leg. You will be charged a separate deductible for each bone, each cut, each individual issue and they will have you paying probably 6 different deductibles. Once you pay $3000 in deductibles you may have reached the cost of the entire ordeal. My money would have been better invested rather than throwing it away on Trupanion premiums. All the companies would work the same and it's only about their financial gain, not taking care of pets. Be careful.