My pet ins expired on April 30. I called Trupanion on April 30, was told they could insure my Great Dane, they asked when my current ins expired, I told the woman it exp that day, she told me that it wasn't a problem. At no time did she say there was a delay in coverage. The next day while at a dog show there was some concern that he was bloating, the vet onsite told me to take him in to my vet asap. Fortunately he was fine, by the xrays, ultrasound all came to over $800. I submitted the claim, and it came back rejected. After several emails, ph calls with their customer svc, I gave up. Kept being told that there was a 30 day wait period and it was in the contract. Two issues - one, I spoke to the sales person and she never told me about the delay. I told her that I hadn't been without coverage on him since I got him and wanted to make sure he was covered though apparently in good health. No mention, not once, about the wait period. Two, yes, it is in the contract, but I didn't receive the contract until several days later, after the vet visit. Trupanion refused to do anything, even paritally pay for this. Several calls, emails, I gave up. Very sorry that I gave up VPI for this. I even recommended them to a friend the same I day I signed up, haven't done it again.