It really irks me to read some comments about premium costs and that the insurance dosn't pay for exam fees, teeth cleaning, shots...Did these people not read the policy. Trupanion's policy is so simply and very easy to understand. If you are looking for that type of coverage there are plans out there that cover teeth cleaning and shots and exam fees. Don't bash because you didn't read the policy. My kitty had cancer and Trupanion paid 90% of her cost with no deductible. They paid over $15,000. So what if I had to pay a couple of $50 exam fees. Big deal. Trupanion paid a whopping about and I have my kitty today because I was able to get her the best state of the art treatment due to the fact I had Trupanion paying 90%. I submitted a claim every week for over 12 weeks, never was one lost or messed up. This is a great insurance. I am so thankful to have had it. It really bothers me when people leave negative reviews because they didn't do their homework. Trupanion does exactly what they say they will do!