I work in the insurance industry so I know insurance. I am so impressed with Trupanion from the very start right down to the claim payments. When I call, I always get a live answer with a professional agent who is so personable, you could be talking with a friend. The claims process is simple - submit online, and fast - reviewed and processed in days. I can say that being a fur mom to 2 baby chihuahuas - unforeseen things happen. They just do. Trupanion understands this. They have been up front with coverage, they pay when eligible and process lightning fast. My fur babies have been insured for 6 months - and my eligible claim payments have taken care of 3.5 months worth of the premium I have paid. Insurance is something you need, but hope to never use - but when you DO need to use it, you need the insurance to be on your side. Trust Trupanion for this. I am so happy I did.