We had been obligated to add pet insurance when we picked up our 3 month old puppy. I will first state the do NOT cover any medication, and randomly subtract $80 from each claim that they will not cover. On top of not covering for many things. I have to constantly call every time they mess up on the claim and fight with them to fix it. They are not at all looking out for you or your pet. We have paid over $1000 to them and over another $1000 to my vet. And we have only had her for 10 months. STAY AWAY from trupanion. You will save money just paying out of pocket.