We have had our english bulldog since she was 8 weeks old. The breeder gave us a free 1 month policy for her so we looked into keeping it. Knowing english bulldogs can have a lot of healt problems, we continued with this policy. They have always paid out claims and paid them fast. And at 90%! Way better then a schedule of benefits. However, a few months ago, we received notice that the rate was going up. In order to keep the same rate, we needed to raise our deductible to $500. We shopped around and found what we thought was a great plan at a better price. Turned out to be a bad plan at a good price. So we kept our policy with Trupanion!