Zoey's first year I had trupanion with no claims. They upped my premium from $30+ to $50+ so I had to change to petpartners. I have had several claims and they paid 90%. One was for one day at vet's for pancreatitis and the cost was $900. The second was for a bee sting which cost $400. So the premium for that year was $350 and I certainly got the better of the deal. As long as I can afford the insurance I will keep it.
__________________  RIP my darling little Gina |