I have Trupanion and have nothing but good to say about them. My dogs were a bit older when I enrolled them, and I have a small deductible so the premiums are more than some others, but they cover everything they say they will. (They do not cover routine care, such as vet consults, dentals, vaccines, etc., but do a great job with treatment costs.) Jaynie had some pre-existing conditions so I spent a lot of time with them understanding what would not be covered, and they have entirely honoured anything that falls outside that list.