I joined Trupanion and have not regretted it. My dog came down with persistent pneumonia a few months after becoming insured. I was slightly concerned about submitting a claim so early, but Trupanion paid 90% of his fees, totaling approximately $3000, no deductible. It was simple, fast, and fair. We aren't out of the woods yet with his pneumonia, but it gives me great peace of mind that I can give him the care he deserves and that Trupanion is an honest insurance company. An insurance company with integrity, who knew!