We used Trupanion to insure our Frenchie/Boston mix puppy. She is a very active and curious dog who also has a sensitive digestive system so we thought we better insure her to be on the safe side. The policy costs about 40$ a month but it pays 90% of claims (not including exam fees). We had to make several claims just a few months after enrolling her. She had a frightening reaction to a new topical flea and tick treatment and we spent Memorial weekend in the animal hospital. We mailed in the paperwork and Trupanion immediately emailed notification of receiving it. They also emailed the status of each claim a few days after that. We got our checks in the mail within 3 weeks. Trupanion is the first pet insurance we have ever used so we don't have a good means of objective comparison but for now, the insurance has already paid for itself! It is a relief to know that we can our dog to the vet without worrying about money.