People laugh when I tell them I have pet health insurance but we laugh last!! After purchasing our first puppy who was sick every time we turned around we started looking for insurance to help cover his vet cost. Of course when we got the insurance he started to be healthy once again. Then on Christmas Day he was playing and broke a toe nail and we discovered a lump in the back of his neck. We were at the vet 3 days later and surgery was done to remove the tumor and thanks to Trupanion they covered 90% of this bill. After all was said and done we only had to pay $53.50 for his surgery instead of the full amount. Love this company and I tell everyone I can about them!!!!!