I am not happy with this insurance company. I previously had Trupanion and never had a problem with my claims in 12 years. I didn't go back to them because the cost had become unaffordable for me with my new dog (doubled). This company has been nothing but trouble. The latest is I (stupidly) just realized they haven't been paying most of my claims because they have attached the wrong invoices to the claim. I went round and round and round with them over my new dog's intitial treatment that they just never paid on. I wish I could go back and pay the expensive Trupanion rate. the weird thing is that they're both underwritten by the same company so I figured the service would be comparable. NOPE!