Working for a veterinary clinic I am all too aware of how expensive veterinary care can become and how quickly it all adds up. When my dog contracted a strain of leptospirosis not covered by the vaccine a year and a half ago and ended up in renal failure with permanent kidney damage do I ever wish I had known about Trupanion. Once learning about them I did sign up right away. Although they do not cover my pups pre-existing kidney condition they have since covered close to a thousand dollars in diagnostics for a new problem. Also going above and beyond when I challenged a rejected submittal they provided a 3rd party review and paid out for the claim. I have only had the insurance for about 5 months and have not seen any increase in my premium.I will never be without pet insurance again, I have learned my lesson and will stay a Trupanion customer for all my future pets.