I will try to make this brief.... I own five dogs. Last year, a dog I recently adopted had many expensive health issues and several thousand dollars later, I vowed to myself that my new years resolution was going to be to get all of the younger dogs pet insurance. I thoroughly started researching different pet insurance companies. I chose Trupanian because there is no limit as to what they will pay per illness/injury once you meet the deductible. There is no "cap" and you can't run out of benefits per calendar year. As of January 1st, 2020 I enrolled my 3 younger pets with Trupanian. Everything was great. Six months into the policy, one of my dogs, who is only 4 years old, developed an extremely rare disease. Imagine my surprise when I called my vet and said Phantom is not feeling well, I am bringing him in and two hours later the veterinarian calls me back and said the dog is in critical condition and needs immediate plasma transfusions. He had to be transferred to a Internal Specialist veterinarian, and received several transfusions, (at $600 apiece), a colonoscopy, an ultrasound, an endoscopy, and he also spent three nights in critical care there. The bill was over $8000. I had never had a claim, and the dog was only insured for 6 months before this disease he has showed up. I told the Specialty hospital I had insurance on him, and the doctor said "You're in great hands, you don't have a thing to worry about". Trupanian has been AMAZING with everything. We would not have been able to treat my dog had I not had insurance on him. After meeting my deductible, I am only responsible for paying 10% of every visit associated with his illness. This is huge to me as the dog has to go to the vet WEEKLY for injections, and every four weeks for very expensive bloodwork. He is a very young dog, and will need to be monitored closely for the rest of his life. I don't need to worry at all about being able to pay his bills. I am very thankful I decided to purchase Trupanian for my babies. I recommend them to everyone I know.